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$24,453
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,214
−HK$772/mo
Today · 4.125%
HK$25,986
baseline
▲ 0.50% · 4.625%
HK$27,568
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,972/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,204
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,933
−HK$740/mo
Today · 4.125%
HK$28,673
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,346/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,344
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,256
−HK$928/mo
Today · 4.125%
HK$31,184
baseline
▲ 0.50% · 4.625%
HK$33,081
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,368/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,644
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,520
−HK$888/mo
Today · 4.125%
HK$34,408
baseline
▲ 0.50% · 4.625%
HK$36,222
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,816/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,234
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,299
−HK$1,082/mo
Today · 4.125%
HK$36,381
baseline
▲ 0.50% · 4.625%
HK$38,595
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,762/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,085
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,107
−HK$1,036/mo
Today · 4.125%
HK$40,143
baseline
▲ 0.50% · 4.625%
HK$42,259
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,286/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,015
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,384
−HK$1,391/mo
Today · 4.125%
HK$46,775
baseline
▲ 0.50% · 4.625%
HK$49,622
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,550/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,967
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,332/mo
Today · 4.125%
HK$51,612
baseline
▲ 0.50% · 4.625%
HK$54,333
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,224/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,142 · Scale 2, in force from 26 Feb 2026)