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$24,424
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,183
−HK$772/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,535
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,171
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,900
−HK$739/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,149
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,308
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,220
−HK$926/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$33,042
+HK$1,896/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,605
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,480
−HK$887/mo
Today · 4.125%
HK$34,367
baseline
▲ 0.50% · 4.625%
HK$36,178
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,734/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,193
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,257
−HK$1,080/mo
Today · 4.125%
HK$36,337
baseline
▲ 0.50% · 4.625%
HK$38,548
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,674/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,040
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,060
−HK$1,035/mo
Today · 4.125%
HK$40,095
baseline
▲ 0.50% · 4.625%
HK$42,208
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,190/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,963
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,330
−HK$1,390/mo
Today · 4.125%
HK$46,720
baseline
▲ 0.50% · 4.625%
HK$49,562
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,440/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,908
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,330/mo
Today · 4.125%
HK$51,550
baseline
▲ 0.50% · 4.625%
HK$54,268
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,100/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,661 · Scale 2, in force from 26 Feb 2026)