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$24,435
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,195
−HK$772/mo
Today · 4.125%
HK$25,967
baseline
▲ 0.50% · 4.625%
HK$27,547
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,934/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,183
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,912
−HK$740/mo
Today · 4.125%
HK$28,652
baseline
▲ 0.50% · 4.625%
HK$30,162
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,304/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,322
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,234
−HK$926/mo
Today · 4.125%
HK$31,160
baseline
▲ 0.50% · 4.625%
HK$33,056
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,320/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,620
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,495
−HK$887/mo
Today · 4.125%
HK$34,382
baseline
▲ 0.50% · 4.625%
HK$36,195
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,764/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,209
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,273
−HK$1,081/mo
Today · 4.125%
HK$36,354
baseline
▲ 0.50% · 4.625%
HK$38,566
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,708/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,057
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,077
−HK$1,036/mo
Today · 4.125%
HK$40,113
baseline
▲ 0.50% · 4.625%
HK$42,227
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,226/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,983
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,351
−HK$1,390/mo
Today · 4.125%
HK$46,741
baseline
▲ 0.50% · 4.625%
HK$49,585
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,482/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,930
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,242
−HK$1,332/mo
Today · 4.125%
HK$51,574
baseline
▲ 0.50% · 4.625%
HK$54,292
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,148/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,842 · Scale 2, in force from 26 Feb 2026)