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$24,447
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,208
−HK$772/mo
Today · 4.125%
HK$25,980
baseline
▲ 0.50% · 4.625%
HK$27,561
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,960/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,197
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,927
−HK$740/mo
Today · 4.125%
HK$28,667
baseline
▲ 0.50% · 4.625%
HK$30,178
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,334/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,337
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$927/mo
Today · 4.125%
HK$31,176
baseline
▲ 0.50% · 4.625%
HK$33,073
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,352/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,637
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,512
−HK$888/mo
Today · 4.125%
HK$34,400
baseline
▲ 0.50% · 4.625%
HK$36,213
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,800/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,226
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,291
−HK$1,081/mo
Today · 4.125%
HK$36,372
baseline
▲ 0.50% · 4.625%
HK$38,585
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,744/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,076
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,036/mo
Today · 4.125%
HK$40,133
baseline
▲ 0.50% · 4.625%
HK$42,249
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,266/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,005
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,374
−HK$1,390/mo
Today · 4.125%
HK$46,764
baseline
▲ 0.50% · 4.625%
HK$49,610
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,528/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,955
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,268
−HK$1,332/mo
Today · 4.125%
HK$51,600
baseline
▲ 0.50% · 4.625%
HK$54,320
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,200/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,047 · Scale 2, in force from 26 Feb 2026)