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$24,439
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,200
−HK$772/mo
Today · 4.125%
HK$25,972
baseline
▲ 0.50% · 4.625%
HK$27,552
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,944/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,189
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,918
−HK$740/mo
Today · 4.125%
HK$28,658
baseline
▲ 0.50% · 4.625%
HK$30,168
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,316/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,327
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,240
−HK$926/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$33,063
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,332/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,626
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$888/mo
Today · 4.125%
HK$34,389
baseline
▲ 0.50% · 4.625%
HK$36,202
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,778/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$1,081/mo
Today · 4.125%
HK$36,361
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$2,212/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,722/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,064
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,085
−HK$1,036/mo
Today · 4.125%
HK$40,121
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,114/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,242/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,991
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,359
−HK$1,391/mo
Today · 4.125%
HK$46,750
baseline
▲ 0.50% · 4.625%
HK$49,594
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,500/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,940
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,252
−HK$1,332/mo
Today · 4.125%
HK$51,584
baseline
▲ 0.50% · 4.625%
HK$54,303
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,168/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,920 · Scale 2, in force from 26 Feb 2026)