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$24,446
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,207
−HK$772/mo
Today · 4.125%
HK$25,979
baseline
▲ 0.50% · 4.625%
HK$27,560
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,958/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,196
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,926
−HK$740/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,177
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,335
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,248
−HK$927/mo
Today · 4.125%
HK$31,175
baseline
▲ 0.50% · 4.625%
HK$33,072
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,350/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,635
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,511
−HK$888/mo
Today · 4.125%
HK$34,399
baseline
▲ 0.50% · 4.625%
HK$36,212
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,798/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,225
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,289
−HK$1,082/mo
Today · 4.125%
HK$36,371
baseline
▲ 0.50% · 4.625%
HK$38,584
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,742/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,075
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,096
−HK$1,036/mo
Today · 4.125%
HK$40,132
baseline
▲ 0.50% · 4.625%
HK$42,247
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,264/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,003
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,372
−HK$1,391/mo
Today · 4.125%
HK$46,763
baseline
▲ 0.50% · 4.625%
HK$49,608
+HK$2,845/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,526/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,953
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,266
−HK$1,332/mo
Today · 4.125%
HK$51,598
baseline
▲ 0.50% · 4.625%
HK$54,318
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,196/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,032 · Scale 2, in force from 26 Feb 2026)