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$24,423
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,183
−HK$772/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,534
+HK$1,579/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,899
−HK$739/mo
Today · 4.125%
HK$28,638
baseline
▲ 0.50% · 4.625%
HK$30,148
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,276/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,308
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$927/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$33,041
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,605
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,479
−HK$887/mo
Today · 4.125%
HK$34,366
baseline
▲ 0.50% · 4.625%
HK$36,178
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,732/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,256
−HK$1,081/mo
Today · 4.125%
HK$36,337
baseline
▲ 0.50% · 4.625%
HK$38,548
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,674/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,039
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,059
−HK$1,035/mo
Today · 4.125%
HK$40,094
baseline
▲ 0.50% · 4.625%
HK$42,207
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,188/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,962
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,329
−HK$1,389/mo
Today · 4.125%
HK$46,718
baseline
▲ 0.50% · 4.625%
HK$49,561
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,436/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,907
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,219
−HK$1,330/mo
Today · 4.125%
HK$51,549
baseline
▲ 0.50% · 4.625%
HK$54,266
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,098/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,652 · Scale 2, in force from 26 Feb 2026)