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$24,429
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,189
−HK$772/mo
Today · 4.125%
HK$25,961
baseline
▲ 0.50% · 4.625%
HK$27,540
+HK$1,579/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,922/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,177
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,906
−HK$739/mo
Today · 4.125%
HK$28,645
baseline
▲ 0.50% · 4.625%
HK$30,155
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,290/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,315
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,226
−HK$927/mo
Today · 4.125%
HK$31,153
baseline
▲ 0.50% · 4.625%
HK$33,048
+HK$1,895/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,306/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,612
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,487
−HK$887/mo
Today · 4.125%
HK$34,374
baseline
▲ 0.50% · 4.625%
HK$36,186
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,748/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,200
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,264
−HK$1,081/mo
Today · 4.125%
HK$36,345
baseline
▲ 0.50% · 4.625%
HK$38,556
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,690/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,035/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,217
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,206/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,972
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,340
−HK$1,389/mo
Today · 4.125%
HK$46,729
baseline
▲ 0.50% · 4.625%
HK$49,573
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,458/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,918
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,230
−HK$1,331/mo
Today · 4.125%
HK$51,561
baseline
▲ 0.50% · 4.625%
HK$54,279
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,122/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,745 · Scale 2, in force from 26 Feb 2026)