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$24,462
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,223
−HK$773/mo
Today · 4.125%
HK$25,996
baseline
▲ 0.50% · 4.625%
HK$27,578
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,992/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,214
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,944
−HK$740/mo
Today · 4.125%
HK$28,684
baseline
▲ 0.50% · 4.625%
HK$30,196
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,368/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,355
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$928/mo
Today · 4.125%
HK$31,196
baseline
▲ 0.50% · 4.625%
HK$33,094
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,392/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,657
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,533
−HK$888/mo
Today · 4.125%
HK$34,421
baseline
▲ 0.50% · 4.625%
HK$36,236
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,842/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,247
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,312
−HK$1,083/mo
Today · 4.125%
HK$36,395
baseline
▲ 0.50% · 4.625%
HK$38,609
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,790/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,100
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,121
−HK$1,037/mo
Today · 4.125%
HK$40,158
baseline
▲ 0.50% · 4.625%
HK$42,275
+HK$2,117/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,316/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,032
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,402
−HK$1,391/mo
Today · 4.125%
HK$46,793
baseline
▲ 0.50% · 4.625%
HK$49,641
+HK$2,848/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$93,586/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,985
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,299
−HK$1,333/mo
Today · 4.125%
HK$51,632
baseline
▲ 0.50% · 4.625%
HK$54,353
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.66M · min. income ≈ HK$103,264/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$402,296 · Scale 2, in force from 26 Feb 2026)