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$1,533/mo
▼ 0.25% · 3.875%
HK$25,193
−HK$773/mo
Today · 4.125%
HK$25,966
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,932/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,182
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,911
−HK$739/mo
Today · 4.125%
HK$28,650
baseline
▲ 0.50% · 4.625%
HK$30,161
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,300/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,320
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$927/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,618
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,493
−HK$888/mo
Today · 4.125%
HK$34,381
baseline
▲ 0.50% · 4.625%
HK$36,193
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,762/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,207
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,271
−HK$1,081/mo
Today · 4.125%
HK$36,352
baseline
▲ 0.50% · 4.625%
HK$38,564
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,704/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,055
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,075
−HK$1,036/mo
Today · 4.125%
HK$40,111
baseline
▲ 0.50% · 4.625%
HK$42,225
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,222/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,980
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,348
−HK$1,390/mo
Today · 4.125%
HK$46,738
baseline
▲ 0.50% · 4.625%
HK$49,582
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,476/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,927
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,240
−HK$1,331/mo
Today · 4.125%
HK$51,571
baseline
▲ 0.50% · 4.625%
HK$54,289
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,142/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,820 · Scale 2, in force from 26 Feb 2026)