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$24,434
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,194
−HK$772/mo
Today · 4.125%
HK$25,966
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,932/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,183
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,912
−HK$739/mo
Today · 4.125%
HK$28,651
baseline
▲ 0.50% · 4.625%
HK$30,162
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,302/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,321
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$927/mo
Today · 4.125%
HK$31,160
baseline
▲ 0.50% · 4.625%
HK$33,056
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,320/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,619
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,494
−HK$888/mo
Today · 4.125%
HK$34,382
baseline
▲ 0.50% · 4.625%
HK$36,194
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,764/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,208
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,272
−HK$1,081/mo
Today · 4.125%
HK$36,353
baseline
▲ 0.50% · 4.625%
HK$38,565
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,706/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,056
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,077
−HK$1,035/mo
Today · 4.125%
HK$40,112
baseline
▲ 0.50% · 4.625%
HK$42,226
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,224/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,982
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,350
−HK$1,390/mo
Today · 4.125%
HK$46,740
baseline
▲ 0.50% · 4.625%
HK$49,584
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,480/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,929
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,241
−HK$1,332/mo
Today · 4.125%
HK$51,573
baseline
▲ 0.50% · 4.625%
HK$54,291
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,146/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,834 · Scale 2, in force from 26 Feb 2026)