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$24,433
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,193
−HK$772/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,545
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,181
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,910
−HK$739/mo
Today · 4.125%
HK$28,649
baseline
▲ 0.50% · 4.625%
HK$30,160
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,298/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,319
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,231
−HK$927/mo
Today · 4.125%
HK$31,158
baseline
▲ 0.50% · 4.625%
HK$33,054
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,316/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,617
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,492
−HK$887/mo
Today · 4.125%
HK$34,379
baseline
▲ 0.50% · 4.625%
HK$36,192
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,758/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,206
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$1,081/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,562
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,053
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,074
−HK$1,035/mo
Today · 4.125%
HK$40,109
baseline
▲ 0.50% · 4.625%
HK$42,223
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,218/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,979
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,347
−HK$1,389/mo
Today · 4.125%
HK$46,736
baseline
▲ 0.50% · 4.625%
HK$49,580
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,472/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,926
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,238
−HK$1,331/mo
Today · 4.125%
HK$51,569
baseline
▲ 0.50% · 4.625%
HK$54,287
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,138/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,807 · Scale 2, in force from 26 Feb 2026)