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$24,430
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,190
−HK$772/mo
Today · 4.125%
HK$25,962
baseline
▲ 0.50% · 4.625%
HK$27,542
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,924/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,179
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,907
−HK$740/mo
Today · 4.125%
HK$28,647
baseline
▲ 0.50% · 4.625%
HK$30,157
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,294/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,316
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,228
−HK$927/mo
Today · 4.125%
HK$31,155
baseline
▲ 0.50% · 4.625%
HK$33,051
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,310/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,614
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,489
−HK$887/mo
Today · 4.125%
HK$34,376
baseline
▲ 0.50% · 4.625%
HK$36,188
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,752/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,203
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,266
−HK$1,081/mo
Today · 4.125%
HK$36,347
baseline
▲ 0.50% · 4.625%
HK$38,559
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,694/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,050
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,070
−HK$1,036/mo
Today · 4.125%
HK$40,106
baseline
▲ 0.50% · 4.625%
HK$42,220
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,212/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,975
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,343
−HK$1,389/mo
Today · 4.125%
HK$46,732
baseline
▲ 0.50% · 4.625%
HK$49,576
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,464/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,921
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,233
−HK$1,332/mo
Today · 4.125%
HK$51,565
baseline
▲ 0.50% · 4.625%
HK$54,283
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,130/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,771 · Scale 2, in force from 26 Feb 2026)