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$24,461
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$773/mo
Today · 4.125%
HK$25,995
baseline
▲ 0.50% · 4.625%
HK$27,577
+HK$1,582/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,990/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,212
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$27,942
−HK$741/mo
Today · 4.125%
HK$28,683
baseline
▲ 0.50% · 4.625%
HK$30,195
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,366/mo (50% DSR)
Upfront cash ≈ HK$5.77M (deposit + AVD stamp duty HK$402,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,266
−HK$928/mo
Today · 4.125%
HK$31,194
baseline
▲ 0.50% · 4.625%
HK$33,092
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$62,388/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,655
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,531
−HK$888/mo
Today · 4.125%
HK$34,419
baseline
▲ 0.50% · 4.625%
HK$36,234
+HK$1,815/mo
Deposit HK$4.29M · loan HK$6.44M · min. income ≈ HK$68,838/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,245
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$35,310
−HK$1,083/mo
Today · 4.125%
HK$36,393
baseline
▲ 0.50% · 4.625%
HK$38,607
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,786/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,097
−HK$2,059/mo
▼ 0.25% · 3.875%
HK$39,119
−HK$1,037/mo
Today · 4.125%
HK$40,156
baseline
▲ 0.50% · 4.625%
HK$42,272
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,312/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,030
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,399
−HK$1,392/mo
Today · 4.125%
HK$46,791
baseline
▲ 0.50% · 4.625%
HK$49,638
+HK$2,847/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,582/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,982
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,296
−HK$1,333/mo
Today · 4.125%
HK$51,629
baseline
▲ 0.50% · 4.625%
HK$54,350
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,258/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,272 · Scale 2, in force from 26 Feb 2026)