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$24,444
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,204
−HK$772/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,557
+HK$1,581/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$401,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,193
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,923
−HK$739/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,173
+HK$1,511/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$401,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,332
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,245
−HK$927/mo
Today · 4.125%
HK$31,172
baseline
▲ 0.50% · 4.625%
HK$33,069
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,344/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,632
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,507
−HK$888/mo
Today · 4.125%
HK$34,395
baseline
▲ 0.50% · 4.625%
HK$36,208
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,790/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,221
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,286
−HK$1,081/mo
Today · 4.125%
HK$36,367
baseline
▲ 0.50% · 4.625%
HK$38,580
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,734/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,071
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,092
−HK$1,035/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,243
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,999
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,367
−HK$1,391/mo
Today · 4.125%
HK$46,758
baseline
▲ 0.50% · 4.625%
HK$49,603
+HK$2,845/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,516/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,948
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,261
−HK$1,331/mo
Today · 4.125%
HK$51,592
baseline
▲ 0.50% · 4.625%
HK$54,312
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,184/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,989 · Scale 2, in force from 26 Feb 2026)