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$24,448
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,209
−HK$772/mo
Today · 4.125%
HK$25,981
baseline
▲ 0.50% · 4.625%
HK$27,562
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,962/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,198
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,928
−HK$740/mo
Today · 4.125%
HK$28,668
baseline
▲ 0.50% · 4.625%
HK$30,179
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,336/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,338
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,250
−HK$928/mo
Today · 4.125%
HK$31,178
baseline
▲ 0.50% · 4.625%
HK$33,075
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,356/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,638
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,513
−HK$888/mo
Today · 4.125%
HK$34,401
baseline
▲ 0.50% · 4.625%
HK$36,215
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,802/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,228
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,292
−HK$1,082/mo
Today · 4.125%
HK$36,374
baseline
▲ 0.50% · 4.625%
HK$38,587
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,748/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,078
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,099
−HK$1,036/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,251
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,007
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,376
−HK$1,390/mo
Today · 4.125%
HK$46,766
baseline
▲ 0.50% · 4.625%
HK$49,612
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,532/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,957
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,270
−HK$1,332/mo
Today · 4.125%
HK$51,602
baseline
▲ 0.50% · 4.625%
HK$54,322
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,204/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,065 · Scale 2, in force from 26 Feb 2026)