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$24,436
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$772/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,549
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,185
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$740/mo
Today · 4.125%
HK$28,654
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,308/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,324
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$927/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$33,059
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,622
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,497
−HK$888/mo
Today · 4.125%
HK$34,385
baseline
▲ 0.50% · 4.625%
HK$36,197
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,770/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,211
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,275
−HK$1,081/mo
Today · 4.125%
HK$36,356
baseline
▲ 0.50% · 4.625%
HK$38,569
+HK$2,213/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,712/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,080
−HK$1,036/mo
Today · 4.125%
HK$40,116
baseline
▲ 0.50% · 4.625%
HK$42,230
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,232/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,986
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,354
−HK$1,390/mo
Today · 4.125%
HK$46,744
baseline
▲ 0.50% · 4.625%
HK$49,588
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,488/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,934
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,246
−HK$1,331/mo
Today · 4.125%
HK$51,577
baseline
▲ 0.50% · 4.625%
HK$54,296
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,154/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,871 · Scale 2, in force from 26 Feb 2026)