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$24,432
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,192
−HK$772/mo
Today · 4.125%
HK$25,964
baseline
▲ 0.50% · 4.625%
HK$27,544
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,928/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,180
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$740/mo
Today · 4.125%
HK$28,649
baseline
▲ 0.50% · 4.625%
HK$30,159
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,298/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,318
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,230
−HK$927/mo
Today · 4.125%
HK$31,157
baseline
▲ 0.50% · 4.625%
HK$33,052
+HK$1,895/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,314/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,616
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$887/mo
Today · 4.125%
HK$34,378
baseline
▲ 0.50% · 4.625%
HK$36,190
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,756/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,204
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,268
−HK$1,081/mo
Today · 4.125%
HK$36,349
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,698/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,052
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,035/mo
Today · 4.125%
HK$40,108
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,216/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,977
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,345
−HK$1,390/mo
Today · 4.125%
HK$46,735
baseline
▲ 0.50% · 4.625%
HK$49,579
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,470/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,924
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,236
−HK$1,331/mo
Today · 4.125%
HK$51,567
baseline
▲ 0.50% · 4.625%
HK$54,285
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,134/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,793 · Scale 2, in force from 26 Feb 2026)