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$24,437
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$772/mo
Today · 4.125%
HK$25,970
baseline
▲ 0.50% · 4.625%
HK$27,550
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,940/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,186
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$739/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,166
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,325
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,237
−HK$927/mo
Today · 4.125%
HK$31,164
baseline
▲ 0.50% · 4.625%
HK$33,060
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,328/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,624
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$887/mo
Today · 4.125%
HK$34,386
baseline
▲ 0.50% · 4.625%
HK$36,199
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,772/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,212
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$1,081/mo
Today · 4.125%
HK$36,358
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$2,212/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,716/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,061
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,082
−HK$1,035/mo
Today · 4.125%
HK$40,117
baseline
▲ 0.50% · 4.625%
HK$42,232
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,234/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,987
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,356
−HK$1,390/mo
Today · 4.125%
HK$46,746
baseline
▲ 0.50% · 4.625%
HK$49,590
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,492/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,936
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,248
−HK$1,331/mo
Today · 4.125%
HK$51,579
baseline
▲ 0.50% · 4.625%
HK$54,298
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,158/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,887 · Scale 2, in force from 26 Feb 2026)