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$24,455
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$773/mo
Today · 4.125%
HK$25,989
baseline
▲ 0.50% · 4.625%
HK$27,570
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,978/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,206
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,936
−HK$740/mo
Today · 4.125%
HK$28,676
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,352/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,346
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$928/mo
Today · 4.125%
HK$31,187
baseline
▲ 0.50% · 4.625%
HK$33,084
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,374/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,647
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,523
−HK$888/mo
Today · 4.125%
HK$34,411
baseline
▲ 0.50% · 4.625%
HK$36,225
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,822/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,237
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,302
−HK$1,082/mo
Today · 4.125%
HK$36,384
baseline
▲ 0.50% · 4.625%
HK$38,598
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,768/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,089
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,110
−HK$1,036/mo
Today · 4.125%
HK$40,146
baseline
▲ 0.50% · 4.625%
HK$42,263
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,292/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,019
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,389
−HK$1,391/mo
Today · 4.125%
HK$46,780
baseline
▲ 0.50% · 4.625%
HK$49,626
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,560/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,971
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,284
−HK$1,333/mo
Today · 4.125%
HK$51,617
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,234/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,179 · Scale 2, in force from 26 Feb 2026)