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$24,422
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,182
−HK$772/mo
Today · 4.125%
HK$25,954
baseline
▲ 0.50% · 4.625%
HK$27,533
+HK$1,579/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,908/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,170
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,898
−HK$740/mo
Today · 4.125%
HK$28,638
baseline
▲ 0.50% · 4.625%
HK$30,147
+HK$1,509/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,276/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,307
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$926/mo
Today · 4.125%
HK$31,145
baseline
▲ 0.50% · 4.625%
HK$33,040
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,290/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,604
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,478
−HK$887/mo
Today · 4.125%
HK$34,365
baseline
▲ 0.50% · 4.625%
HK$36,177
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,730/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,191
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,255
−HK$1,080/mo
Today · 4.125%
HK$36,335
baseline
▲ 0.50% · 4.625%
HK$38,546
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,670/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,038
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,035/mo
Today · 4.125%
HK$40,093
baseline
▲ 0.50% · 4.625%
HK$42,206
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,186/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,960
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,328
−HK$1,389/mo
Today · 4.125%
HK$46,717
baseline
▲ 0.50% · 4.625%
HK$49,560
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,434/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,905
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,217
−HK$1,331/mo
Today · 4.125%
HK$51,548
baseline
▲ 0.50% · 4.625%
HK$54,265
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,096/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,640 · Scale 2, in force from 26 Feb 2026)