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$24,443
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,203
−HK$773/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,556
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,952/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,192
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$740/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,172
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,331
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,244
−HK$927/mo
Today · 4.125%
HK$31,171
baseline
▲ 0.50% · 4.625%
HK$33,067
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,342/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,631
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,506
−HK$888/mo
Today · 4.125%
HK$34,394
baseline
▲ 0.50% · 4.625%
HK$36,207
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,788/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,284
−HK$1,082/mo
Today · 4.125%
HK$36,366
baseline
▲ 0.50% · 4.625%
HK$38,579
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,732/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,069
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,090
−HK$1,036/mo
Today · 4.125%
HK$40,126
baseline
▲ 0.50% · 4.625%
HK$42,241
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,252/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,997
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,366
−HK$1,390/mo
Today · 4.125%
HK$46,756
baseline
▲ 0.50% · 4.625%
HK$49,601
+HK$2,845/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,512/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,946
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,259
−HK$1,332/mo
Today · 4.125%
HK$51,591
baseline
▲ 0.50% · 4.625%
HK$54,310
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,182/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,976 · Scale 2, in force from 26 Feb 2026)