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$24,467
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$773/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,583
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,219
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,949
−HK$741/mo
Today · 4.125%
HK$28,690
baseline
▲ 0.50% · 4.625%
HK$30,202
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,380/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,360
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,273
−HK$928/mo
Today · 4.125%
HK$31,201
baseline
▲ 0.50% · 4.625%
HK$33,100
+HK$1,899/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,402/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,663
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,539
−HK$889/mo
Today · 4.125%
HK$34,428
baseline
▲ 0.50% · 4.625%
HK$36,242
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,856/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,254
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,319
−HK$1,083/mo
Today · 4.125%
HK$36,402
baseline
▲ 0.50% · 4.625%
HK$38,616
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,804/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,107
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,129
−HK$1,036/mo
Today · 4.125%
HK$40,165
baseline
▲ 0.50% · 4.625%
HK$42,283
+HK$2,118/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,330/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,040
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,410
−HK$1,392/mo
Today · 4.125%
HK$46,802
baseline
▲ 0.50% · 4.625%
HK$49,650
+HK$2,848/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,604/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,994
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,308
−HK$1,333/mo
Today · 4.125%
HK$51,641
baseline
▲ 0.50% · 4.625%
HK$54,363
+HK$2,722/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,282/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,370 · Scale 2, in force from 26 Feb 2026)