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$1,534/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$773/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,571
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,207
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,937
−HK$740/mo
Today · 4.125%
HK$28,677
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,512/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$402,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,348
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,260
−HK$928/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$33,086
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,649
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,525
−HK$888/mo
Today · 4.125%
HK$34,413
baseline
▲ 0.50% · 4.625%
HK$36,227
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,826/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,239
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,304
−HK$1,082/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,600
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,090
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,112
−HK$1,036/mo
Today · 4.125%
HK$40,148
baseline
▲ 0.50% · 4.625%
HK$42,265
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,296/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,021
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,391
−HK$1,391/mo
Today · 4.125%
HK$46,782
baseline
▲ 0.50% · 4.625%
HK$49,628
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,564/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,973
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,287
−HK$1,332/mo
Today · 4.125%
HK$51,619
baseline
▲ 0.50% · 4.625%
HK$54,340
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,238/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,198 · Scale 2, in force from 26 Feb 2026)