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$24,450
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,211
−HK$773/mo
Today · 4.125%
HK$25,984
baseline
▲ 0.50% · 4.625%
HK$27,565
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,968/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,201
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,930
−HK$740/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,182
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,253
−HK$927/mo
Today · 4.125%
HK$31,180
baseline
▲ 0.50% · 4.625%
HK$33,078
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,360/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,641
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,516
−HK$889/mo
Today · 4.125%
HK$34,405
baseline
▲ 0.50% · 4.625%
HK$36,218
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,810/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,231
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,295
−HK$1,082/mo
Today · 4.125%
HK$36,377
baseline
▲ 0.50% · 4.625%
HK$38,591
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,754/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,081
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,103
−HK$1,036/mo
Today · 4.125%
HK$40,139
baseline
▲ 0.50% · 4.625%
HK$42,254
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,278/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,011
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,380
−HK$1,391/mo
Today · 4.125%
HK$46,771
baseline
▲ 0.50% · 4.625%
HK$49,617
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,542/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,962
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,275
−HK$1,332/mo
Today · 4.125%
HK$51,607
baseline
▲ 0.50% · 4.625%
HK$54,327
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,214/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,101 · Scale 2, in force from 26 Feb 2026)