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$24,426
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$772/mo
Today · 4.125%
HK$25,958
baseline
▲ 0.50% · 4.625%
HK$27,538
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,916/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,174
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,903
−HK$739/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,284/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,223
−HK$927/mo
Today · 4.125%
HK$31,150
baseline
▲ 0.50% · 4.625%
HK$33,045
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,300/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,609
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,484
−HK$887/mo
Today · 4.125%
HK$34,371
baseline
▲ 0.50% · 4.625%
HK$36,183
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,742/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,197
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,261
−HK$1,080/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,553
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,044
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,064
−HK$1,035/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,213
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,968
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,335
−HK$1,390/mo
Today · 4.125%
HK$46,725
baseline
▲ 0.50% · 4.625%
HK$49,568
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,450/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,914
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,225
−HK$1,331/mo
Today · 4.125%
HK$51,556
baseline
▲ 0.50% · 4.625%
HK$54,274
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,112/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,706 · Scale 2, in force from 26 Feb 2026)