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$24,446
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$773/mo
Today · 4.125%
HK$25,979
baseline
▲ 0.50% · 4.625%
HK$27,559
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,958/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,195
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,925
−HK$740/mo
Today · 4.125%
HK$28,665
baseline
▲ 0.50% · 4.625%
HK$30,176
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,330/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,247
−HK$927/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$33,071
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,510
−HK$888/mo
Today · 4.125%
HK$34,398
baseline
▲ 0.50% · 4.625%
HK$36,211
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,796/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,224
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$1,082/mo
Today · 4.125%
HK$36,370
baseline
▲ 0.50% · 4.625%
HK$38,583
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,740/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,074
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,095
−HK$1,036/mo
Today · 4.125%
HK$40,131
baseline
▲ 0.50% · 4.625%
HK$42,246
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,262/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,002
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,371
−HK$1,390/mo
Today · 4.125%
HK$46,761
baseline
▲ 0.50% · 4.625%
HK$49,607
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,522/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,952
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,265
−HK$1,332/mo
Today · 4.125%
HK$51,597
baseline
▲ 0.50% · 4.625%
HK$54,316
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,194/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,021 · Scale 2, in force from 26 Feb 2026)