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$25,199
−HK$773/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$401,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,188
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,917
−HK$740/mo
Today · 4.125%
HK$28,657
baseline
▲ 0.50% · 4.625%
HK$30,168
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,314/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,327
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$927/mo
Today · 4.125%
HK$31,166
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,896/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$401,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,626
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,501
−HK$887/mo
Today · 4.125%
HK$34,388
baseline
▲ 0.50% · 4.625%
HK$36,201
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,776/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,279
−HK$1,081/mo
Today · 4.125%
HK$36,360
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,720/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,063
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,084
−HK$1,036/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,990
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,358
−HK$1,391/mo
Today · 4.125%
HK$46,749
baseline
▲ 0.50% · 4.625%
HK$49,593
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,498/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,939
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,251
−HK$1,332/mo
Today · 4.125%
HK$51,583
baseline
▲ 0.50% · 4.625%
HK$54,302
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,166/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,912 · Scale 2, in force from 26 Feb 2026)