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$24,442
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,202
−HK$772/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,555
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,191
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,920
−HK$740/mo
Today · 4.125%
HK$28,660
baseline
▲ 0.50% · 4.625%
HK$30,171
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,320/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,330
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,242
−HK$927/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$33,066
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,629
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,504
−HK$888/mo
Today · 4.125%
HK$34,392
baseline
▲ 0.50% · 4.625%
HK$36,205
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,784/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,218
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,283
−HK$1,081/mo
Today · 4.125%
HK$36,364
baseline
▲ 0.50% · 4.625%
HK$38,577
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,728/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,068
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,089
−HK$1,035/mo
Today · 4.125%
HK$40,124
baseline
▲ 0.50% · 4.625%
HK$42,239
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,248/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,995
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,364
−HK$1,390/mo
Today · 4.125%
HK$46,754
baseline
▲ 0.50% · 4.625%
HK$49,599
+HK$2,845/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,508/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,944
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,257
−HK$1,331/mo
Today · 4.125%
HK$51,588
baseline
▲ 0.50% · 4.625%
HK$54,308
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,176/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,957 · Scale 2, in force from 26 Feb 2026)