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$24,463
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,224
−HK$773/mo
Today · 4.125%
HK$25,997
baseline
▲ 0.50% · 4.625%
HK$27,579
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,994/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,214
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,944
−HK$741/mo
Today · 4.125%
HK$28,685
baseline
▲ 0.50% · 4.625%
HK$30,197
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,370/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,355
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$928/mo
Today · 4.125%
HK$31,196
baseline
▲ 0.50% · 4.625%
HK$33,094
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,392/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,657
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,533
−HK$889/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,236
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,248
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,313
−HK$1,082/mo
Today · 4.125%
HK$36,395
baseline
▲ 0.50% · 4.625%
HK$38,610
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,790/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,100
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,122
−HK$1,037/mo
Today · 4.125%
HK$40,159
baseline
▲ 0.50% · 4.625%
HK$42,275
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,318/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,033
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,402
−HK$1,392/mo
Today · 4.125%
HK$46,794
baseline
▲ 0.50% · 4.625%
HK$49,641
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,588/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,986
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,300
−HK$1,333/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,354
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,266/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,301 · Scale 2, in force from 26 Feb 2026)