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$24,429
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,189
−HK$772/mo
Today · 4.125%
HK$25,961
baseline
▲ 0.50% · 4.625%
HK$27,541
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,922/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,177
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,906
−HK$740/mo
Today · 4.125%
HK$28,646
baseline
▲ 0.50% · 4.625%
HK$30,156
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,292/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,315
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,227
−HK$926/mo
Today · 4.125%
HK$31,153
baseline
▲ 0.50% · 4.625%
HK$33,049
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,306/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,613
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,487
−HK$888/mo
Today · 4.125%
HK$34,375
baseline
▲ 0.50% · 4.625%
HK$36,187
+HK$1,812/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,750/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,201
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$1,081/mo
Today · 4.125%
HK$36,346
baseline
▲ 0.50% · 4.625%
HK$38,557
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,692/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,069
−HK$1,035/mo
Today · 4.125%
HK$40,104
baseline
▲ 0.50% · 4.625%
HK$42,218
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,208/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,973
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,341
−HK$1,389/mo
Today · 4.125%
HK$46,730
baseline
▲ 0.50% · 4.625%
HK$49,574
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,460/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,919
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,231
−HK$1,331/mo
Today · 4.125%
HK$51,562
baseline
▲ 0.50% · 4.625%
HK$54,280
+HK$2,718/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,124/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,753 · Scale 2, in force from 26 Feb 2026)