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$24,434
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,194
−HK$772/mo
Today · 4.125%
HK$25,966
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,932/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,182
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,911
−HK$740/mo
Today · 4.125%
HK$28,651
baseline
▲ 0.50% · 4.625%
HK$30,161
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,302/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$926/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$887/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,207
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,271
−HK$1,081/mo
Today · 4.125%
HK$36,352
baseline
▲ 0.50% · 4.625%
HK$38,564
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,704/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,055
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,076
−HK$1,035/mo
Today · 4.125%
HK$40,111
baseline
▲ 0.50% · 4.625%
HK$42,226
+HK$2,115/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,222/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,981
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,349
−HK$1,390/mo
Today · 4.125%
HK$46,739
baseline
▲ 0.50% · 4.625%
HK$49,583
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,478/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,928
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,240
−HK$1,332/mo
Today · 4.125%
HK$51,572
baseline
▲ 0.50% · 4.625%
HK$54,290
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,144/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,826 · Scale 2, in force from 26 Feb 2026)