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$24,460
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,221
−HK$773/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,576
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,212
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$741/mo
Today · 4.125%
HK$28,682
baseline
▲ 0.50% · 4.625%
HK$30,194
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,364/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,265
−HK$928/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,654
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,530
−HK$888/mo
Today · 4.125%
HK$34,418
baseline
▲ 0.50% · 4.625%
HK$36,232
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,836/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,244
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,309
−HK$1,082/mo
Today · 4.125%
HK$36,391
baseline
▲ 0.50% · 4.625%
HK$38,606
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,782/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,096
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,118
−HK$1,036/mo
Today · 4.125%
HK$40,154
baseline
▲ 0.50% · 4.625%
HK$42,271
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,308/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,028
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,398
−HK$1,391/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,636
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,981
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,294
−HK$1,333/mo
Today · 4.125%
HK$51,627
baseline
▲ 0.50% · 4.625%
HK$54,348
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,254/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,259 · Scale 2, in force from 26 Feb 2026)