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$24,428
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,188
−HK$772/mo
Today · 4.125%
HK$25,960
baseline
▲ 0.50% · 4.625%
HK$27,540
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,920/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,176
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,905
−HK$739/mo
Today · 4.125%
HK$28,644
baseline
▲ 0.50% · 4.625%
HK$30,154
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,288/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,314
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,225
−HK$927/mo
Today · 4.125%
HK$31,152
baseline
▲ 0.50% · 4.625%
HK$33,047
+HK$1,895/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,304/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,611
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,486
−HK$887/mo
Today · 4.125%
HK$34,373
baseline
▲ 0.50% · 4.625%
HK$36,185
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,746/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,199
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,263
−HK$1,081/mo
Today · 4.125%
HK$36,344
baseline
▲ 0.50% · 4.625%
HK$38,555
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,688/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,046
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,067
−HK$1,035/mo
Today · 4.125%
HK$40,102
baseline
▲ 0.50% · 4.625%
HK$42,216
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,204/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,338
−HK$1,390/mo
Today · 4.125%
HK$46,728
baseline
▲ 0.50% · 4.625%
HK$49,571
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,456/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,917
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,229
−HK$1,331/mo
Today · 4.125%
HK$51,560
baseline
▲ 0.50% · 4.625%
HK$54,277
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,120/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,733 · Scale 2, in force from 26 Feb 2026)