The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$24,558
−HK$1,540/mo
▼ 0.25% · 3.875%
HK$25,322
−HK$776/mo
Today · 4.125%
HK$26,098
baseline
▲ 0.50% · 4.625%
HK$27,686
+HK$1,588/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$52,196/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,320
−HK$1,476/mo
▼ 0.25% · 3.875%
HK$28,053
−HK$743/mo
Today · 4.125%
HK$28,796
baseline
▲ 0.50% · 4.625%
HK$30,314
+HK$1,518/mo
Deposit HK$5.38M · loan HK$5.38M · min. income ≈ HK$57,592/mo (50% DSR)
Upfront cash ≈ HK$5.79M (deposit + AVD stamp duty HK$403,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,469
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,386
−HK$931/mo
Today · 4.125%
HK$31,317
baseline
▲ 0.50% · 4.625%
HK$33,223
+HK$1,906/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$62,634/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,784
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,663
−HK$892/mo
Today · 4.125%
HK$34,555
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$1,822/mo
Deposit HK$4.31M · loan HK$6.46M · min. income ≈ HK$69,110/mo (50% DSR)
Upfront cash ≈ HK$4.71M (deposit + AVD stamp duty HK$403,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,381
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,450
−HK$1,087/mo
Today · 4.125%
HK$36,537
baseline
▲ 0.50% · 4.625%
HK$38,760
+HK$2,223/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$73,074/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,248
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,274
−HK$1,041/mo
Today · 4.125%
HK$40,315
baseline
▲ 0.50% · 4.625%
HK$42,440
+HK$2,125/mo
Deposit HK$3.23M · loan HK$7.54M · min. income ≈ HK$80,630/mo (50% DSR)
Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,204
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,579
−HK$1,397/mo
Today · 4.125%
HK$46,976
baseline
▲ 0.50% · 4.625%
HK$49,834
+HK$2,858/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$93,952/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,176
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,495
−HK$1,338/mo
Today · 4.125%
HK$51,833
baseline
▲ 0.50% · 4.625%
HK$54,565
+HK$2,732/mo
Deposit HK$1.08M · loan HK$9.69M · min. income ≈ HK$103,666/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$403,864 · Scale 2, in force from 26 Feb 2026)