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$24,428
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,188
−HK$772/mo
Today · 4.125%
HK$25,960
baseline
▲ 0.50% · 4.625%
HK$27,539
+HK$1,579/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,920/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,176
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,904
−HK$740/mo
Today · 4.125%
HK$28,644
baseline
▲ 0.50% · 4.625%
HK$30,154
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,288/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,313
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,225
−HK$926/mo
Today · 4.125%
HK$31,151
baseline
▲ 0.50% · 4.625%
HK$33,047
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,302/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,611
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,485
−HK$888/mo
Today · 4.125%
HK$34,373
baseline
▲ 0.50% · 4.625%
HK$36,184
+HK$1,811/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,746/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,199
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,263
−HK$1,080/mo
Today · 4.125%
HK$36,343
baseline
▲ 0.50% · 4.625%
HK$38,555
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,686/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,046
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,066
−HK$1,035/mo
Today · 4.125%
HK$40,101
baseline
▲ 0.50% · 4.625%
HK$42,215
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,202/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,970
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,338
−HK$1,389/mo
Today · 4.125%
HK$46,727
baseline
▲ 0.50% · 4.625%
HK$49,570
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,454/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,916
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,228
−HK$1,331/mo
Today · 4.125%
HK$51,559
baseline
▲ 0.50% · 4.625%
HK$54,277
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,118/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,726 · Scale 2, in force from 26 Feb 2026)