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$24,459
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,220
−HK$773/mo
Today · 4.125%
HK$25,993
baseline
▲ 0.50% · 4.625%
HK$27,575
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,986/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,211
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,941
−HK$740/mo
Today · 4.125%
HK$28,681
baseline
▲ 0.50% · 4.625%
HK$30,193
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,362/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,351
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$928/mo
Today · 4.125%
HK$31,192
baseline
▲ 0.50% · 4.625%
HK$33,090
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,384/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,653
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,529
−HK$888/mo
Today · 4.125%
HK$34,417
baseline
▲ 0.50% · 4.625%
HK$36,231
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,834/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,243
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,308
−HK$1,083/mo
Today · 4.125%
HK$36,391
baseline
▲ 0.50% · 4.625%
HK$38,605
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,782/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,095
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,036/mo
Today · 4.125%
HK$40,153
baseline
▲ 0.50% · 4.625%
HK$42,270
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,306/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,027
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,396
−HK$1,392/mo
Today · 4.125%
HK$46,788
baseline
▲ 0.50% · 4.625%
HK$49,635
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,576/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,980
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,293
−HK$1,333/mo
Today · 4.125%
HK$51,626
baseline
▲ 0.50% · 4.625%
HK$54,347
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,252/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,249 · Scale 2, in force from 26 Feb 2026)