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$24,465
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$773/mo
Today · 4.125%
HK$25,999
baseline
▲ 0.50% · 4.625%
HK$27,581
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,998/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,217
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,947
−HK$741/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,200
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,358
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$928/mo
Today · 4.125%
HK$31,199
baseline
▲ 0.50% · 4.625%
HK$33,098
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,398/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,661
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,537
−HK$888/mo
Today · 4.125%
HK$34,425
baseline
▲ 0.50% · 4.625%
HK$36,240
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,850/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,251
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,317
−HK$1,082/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,614
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,104
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,126
−HK$1,037/mo
Today · 4.125%
HK$40,163
baseline
▲ 0.50% · 4.625%
HK$42,280
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,326/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,037
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,407
−HK$1,392/mo
Today · 4.125%
HK$46,799
baseline
▲ 0.50% · 4.625%
HK$49,647
+HK$2,848/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,598/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,991
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,305
−HK$1,333/mo
Today · 4.125%
HK$51,638
baseline
▲ 0.50% · 4.625%
HK$54,360
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,276/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,344 · Scale 2, in force from 26 Feb 2026)