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$24,443
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,203
−HK$773/mo
Today · 4.125%
HK$25,976
baseline
▲ 0.50% · 4.625%
HK$27,557
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,952/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,193
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,922
−HK$740/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,173
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,332
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,244
−HK$927/mo
Today · 4.125%
HK$31,171
baseline
▲ 0.50% · 4.625%
HK$33,068
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,342/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,631
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,506
−HK$888/mo
Today · 4.125%
HK$34,394
baseline
▲ 0.50% · 4.625%
HK$36,207
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,788/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,285
−HK$1,081/mo
Today · 4.125%
HK$36,366
baseline
▲ 0.50% · 4.625%
HK$38,579
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,732/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,070
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,091
−HK$1,036/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,242
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,998
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,366
−HK$1,391/mo
Today · 4.125%
HK$46,757
baseline
▲ 0.50% · 4.625%
HK$49,602
+HK$2,845/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,514/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,947
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,260
−HK$1,331/mo
Today · 4.125%
HK$51,591
baseline
▲ 0.50% · 4.625%
HK$54,311
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,182/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,981 · Scale 2, in force from 26 Feb 2026)