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$24,458
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,219
−HK$773/mo
Today · 4.125%
HK$25,992
baseline
▲ 0.50% · 4.625%
HK$27,574
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,984/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,210
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,940
−HK$740/mo
Today · 4.125%
HK$28,680
baseline
▲ 0.50% · 4.625%
HK$30,192
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,360/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,350
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,263
−HK$928/mo
Today · 4.125%
HK$31,191
baseline
▲ 0.50% · 4.625%
HK$33,089
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,382/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,652
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,527
−HK$889/mo
Today · 4.125%
HK$34,416
baseline
▲ 0.50% · 4.625%
HK$36,230
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,832/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,242
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,307
−HK$1,082/mo
Today · 4.125%
HK$36,389
baseline
▲ 0.50% · 4.625%
HK$38,603
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,778/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,094
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,115
−HK$1,037/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,268
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,304/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,025
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,395
−HK$1,391/mo
Today · 4.125%
HK$46,786
baseline
▲ 0.50% · 4.625%
HK$49,633
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,572/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,978
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,291
−HK$1,333/mo
Today · 4.125%
HK$51,624
baseline
▲ 0.50% · 4.625%
HK$54,345
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,248/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,232 · Scale 2, in force from 26 Feb 2026)