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$24,479
−HK$1,535/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$774/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,597
+HK$1,583/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,232
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$27,963
−HK$741/mo
Today · 4.125%
HK$28,704
baseline
▲ 0.50% · 4.625%
HK$30,217
+HK$1,513/mo
Deposit HK$5.37M · loan HK$5.37M · min. income ≈ HK$57,408/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$929/mo
Today · 4.125%
HK$31,217
baseline
▲ 0.50% · 4.625%
HK$33,116
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,434/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,679
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,555
−HK$889/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,260
+HK$1,816/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$4.70M (deposit + AVD stamp duty HK$402,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,270
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$1,083/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,635
+HK$2,216/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,125
−HK$2,060/mo
▼ 0.25% · 3.875%
HK$39,148
−HK$1,037/mo
Today · 4.125%
HK$40,185
baseline
▲ 0.50% · 4.625%
HK$42,303
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,370/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,062
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,432
−HK$1,393/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,674
+HK$2,849/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,018
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,333
−HK$1,334/mo
Today · 4.125%
HK$51,667
baseline
▲ 0.50% · 4.625%
HK$54,390
+HK$2,723/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,334/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,566 · Scale 2, in force from 26 Feb 2026)