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$24,456
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$773/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,207
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$741/mo
Today · 4.125%
HK$28,677
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,354/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,347
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,260
−HK$927/mo
Today · 4.125%
HK$31,187
baseline
▲ 0.50% · 4.625%
HK$33,085
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,374/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,648
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,524
−HK$888/mo
Today · 4.125%
HK$34,412
baseline
▲ 0.50% · 4.625%
HK$36,226
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,824/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,238
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,303
−HK$1,082/mo
Today · 4.125%
HK$36,385
baseline
▲ 0.50% · 4.625%
HK$38,599
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,770/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,089
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,111
−HK$1,036/mo
Today · 4.125%
HK$40,147
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,294/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,020
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,389
−HK$1,392/mo
Today · 4.125%
HK$46,781
baseline
▲ 0.50% · 4.625%
HK$49,627
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,562/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,972
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,285
−HK$1,333/mo
Today · 4.125%
HK$51,618
baseline
▲ 0.50% · 4.625%
HK$54,339
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,236/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,186 · Scale 2, in force from 26 Feb 2026)