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$24,457
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$773/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,572
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,208
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,938
−HK$740/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,356/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,348
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,261
−HK$927/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$33,086
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,649
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,525
−HK$888/mo
Today · 4.125%
HK$34,413
baseline
▲ 0.50% · 4.625%
HK$36,227
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,826/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,239
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,304
−HK$1,082/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,601
+HK$2,215/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,091
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,036/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,265
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,022
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,391
−HK$1,392/mo
Today · 4.125%
HK$46,783
baseline
▲ 0.50% · 4.625%
HK$49,629
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,566/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,974
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,288
−HK$1,332/mo
Today · 4.125%
HK$51,620
baseline
▲ 0.50% · 4.625%
HK$54,341
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,240/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,204 · Scale 2, in force from 26 Feb 2026)