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$24,432
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,191
−HK$773/mo
Today · 4.125%
HK$25,964
baseline
▲ 0.50% · 4.625%
HK$27,543
+HK$1,579/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,928/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,180
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,909
−HK$739/mo
Today · 4.125%
HK$28,648
baseline
▲ 0.50% · 4.625%
HK$30,158
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,296/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,318
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,230
−HK$926/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$33,052
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,616
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,491
−HK$887/mo
Today · 4.125%
HK$34,378
baseline
▲ 0.50% · 4.625%
HK$36,190
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,756/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,204
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,268
−HK$1,081/mo
Today · 4.125%
HK$36,349
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,698/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,052
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,072
−HK$1,036/mo
Today · 4.125%
HK$40,108
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,216/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,977
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,345
−HK$1,389/mo
Today · 4.125%
HK$46,734
baseline
▲ 0.50% · 4.625%
HK$49,578
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,468/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,924
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,236
−HK$1,331/mo
Today · 4.125%
HK$51,567
baseline
▲ 0.50% · 4.625%
HK$54,285
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,134/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,789 · Scale 2, in force from 26 Feb 2026)