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$402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,215
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,945
−HK$740/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$402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$927/mo
Today · 4.125%
HK$31,196
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,899/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$402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,658
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,534
−HK$888/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,237
+HK$1,815/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$402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,248
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,313
−HK$1,083/mo
Today · 4.125%
HK$36,396
baseline
▲ 0.50% · 4.625%
HK$38,610
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,792/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,101
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,122
−HK$1,037/mo
Today · 4.125%
HK$40,159
baseline
▲ 0.50% · 4.625%
HK$42,276
+HK$2,117/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$402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,033
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,403
−HK$1,392/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,642
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,987
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,300
−HK$1,333/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,355
+HK$2,722/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$402,306 · Scale 2, in force from 26 Feb 2026)