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$24,436
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,196
−HK$772/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,184
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,913
−HK$740/mo
Today · 4.125%
HK$28,653
baseline
▲ 0.50% · 4.625%
HK$30,163
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,306/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,323
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$927/mo
Today · 4.125%
HK$31,162
baseline
▲ 0.50% · 4.625%
HK$33,058
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,324/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,621
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,496
−HK$888/mo
Today · 4.125%
HK$34,384
baseline
▲ 0.50% · 4.625%
HK$36,196
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,768/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,210
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,274
−HK$1,081/mo
Today · 4.125%
HK$36,355
baseline
▲ 0.50% · 4.625%
HK$38,567
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,710/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,058
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,079
−HK$1,035/mo
Today · 4.125%
HK$40,114
baseline
▲ 0.50% · 4.625%
HK$42,229
+HK$2,115/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,228/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,984
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,352
−HK$1,390/mo
Today · 4.125%
HK$46,742
baseline
▲ 0.50% · 4.625%
HK$49,586
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,484/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,932
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,244
−HK$1,332/mo
Today · 4.125%
HK$51,576
baseline
▲ 0.50% · 4.625%
HK$54,294
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,152/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,857 · Scale 2, in force from 26 Feb 2026)