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$24,464
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,225
−HK$773/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,580
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,996/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,216
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,946
−HK$741/mo
Today · 4.125%
HK$28,687
baseline
▲ 0.50% · 4.625%
HK$30,199
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,374/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,357
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$928/mo
Today · 4.125%
HK$31,198
baseline
▲ 0.50% · 4.625%
HK$33,096
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,396/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,659
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$889/mo
Today · 4.125%
HK$34,424
baseline
▲ 0.50% · 4.625%
HK$36,238
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,848/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,250
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,315
−HK$1,083/mo
Today · 4.125%
HK$36,398
baseline
▲ 0.50% · 4.625%
HK$38,612
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,796/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,103
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,125
−HK$1,036/mo
Today · 4.125%
HK$40,161
baseline
▲ 0.50% · 4.625%
HK$42,278
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,322/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,036
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,405
−HK$1,392/mo
Today · 4.125%
HK$46,797
baseline
▲ 0.50% · 4.625%
HK$49,644
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,594/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,989
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,303
−HK$1,333/mo
Today · 4.125%
HK$51,636
baseline
▲ 0.50% · 4.625%
HK$54,358
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,272/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,327 · Scale 2, in force from 26 Feb 2026)