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$24,458
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,218
−HK$773/mo
Today · 4.125%
HK$25,991
baseline
▲ 0.50% · 4.625%
HK$27,573
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,982/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,209
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,939
−HK$740/mo
Today · 4.125%
HK$28,679
baseline
▲ 0.50% · 4.625%
HK$30,191
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,358/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,349
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,262
−HK$928/mo
Today · 4.125%
HK$31,190
baseline
▲ 0.50% · 4.625%
HK$33,087
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,380/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,651
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,526
−HK$889/mo
Today · 4.125%
HK$34,415
baseline
▲ 0.50% · 4.625%
HK$36,229
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,830/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,241
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,306
−HK$1,082/mo
Today · 4.125%
HK$36,388
baseline
▲ 0.50% · 4.625%
HK$38,602
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,776/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,092
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,114
−HK$1,036/mo
Today · 4.125%
HK$40,150
baseline
▲ 0.50% · 4.625%
HK$42,267
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,300/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,024
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,393
−HK$1,391/mo
Today · 4.125%
HK$46,784
baseline
▲ 0.50% · 4.625%
HK$49,631
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,568/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,976
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,289
−HK$1,333/mo
Today · 4.125%
HK$51,622
baseline
▲ 0.50% · 4.625%
HK$54,343
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,244/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,219 · Scale 2, in force from 26 Feb 2026)