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$24,427
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,187
−HK$772/mo
Today · 4.125%
HK$25,959
baseline
▲ 0.50% · 4.625%
HK$27,538
+HK$1,579/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,918/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,175
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,903
−HK$740/mo
Today · 4.125%
HK$28,643
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,286/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,312
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$926/mo
Today · 4.125%
HK$31,150
baseline
▲ 0.50% · 4.625%
HK$33,046
+HK$1,896/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$401,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,610
−HK$1,761/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$401,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,198
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,261
−HK$1,081/mo
Today · 4.125%
HK$36,342
baseline
▲ 0.50% · 4.625%
HK$38,553
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,684/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,045
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,065
−HK$1,035/mo
Today · 4.125%
HK$40,100
baseline
▲ 0.50% · 4.625%
HK$42,214
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,200/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,968
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,336
−HK$1,390/mo
Today · 4.125%
HK$46,726
baseline
▲ 0.50% · 4.625%
HK$49,569
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,452/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,914
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,226
−HK$1,331/mo
Today · 4.125%
HK$51,557
baseline
▲ 0.50% · 4.625%
HK$54,275
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,114/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,713 · Scale 2, in force from 26 Feb 2026)