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$24,448
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,208
−HK$773/mo
Today · 4.125%
HK$25,981
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,962/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,198
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$739/mo
Today · 4.125%
HK$28,667
baseline
▲ 0.50% · 4.625%
HK$30,179
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,334/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,338
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,250
−HK$927/mo
Today · 4.125%
HK$31,177
baseline
▲ 0.50% · 4.625%
HK$33,074
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,354/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,638
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$888/mo
Today · 4.125%
HK$34,401
baseline
▲ 0.50% · 4.625%
HK$36,214
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,802/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,227
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,292
−HK$1,081/mo
Today · 4.125%
HK$36,373
baseline
▲ 0.50% · 4.625%
HK$38,587
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,746/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,077
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,099
−HK$1,035/mo
Today · 4.125%
HK$40,134
baseline
▲ 0.50% · 4.625%
HK$42,250
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,268/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,006
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,375
−HK$1,391/mo
Today · 4.125%
HK$46,766
baseline
▲ 0.50% · 4.625%
HK$49,611
+HK$2,845/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,532/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,957
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,270
−HK$1,331/mo
Today · 4.125%
HK$51,601
baseline
▲ 0.50% · 4.625%
HK$54,321
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,202/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,059 · Scale 2, in force from 26 Feb 2026)