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$24,425
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$772/mo
Today · 4.125%
HK$25,956
baseline
▲ 0.50% · 4.625%
HK$27,536
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,912/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,172
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,901
−HK$739/mo
Today · 4.125%
HK$28,640
baseline
▲ 0.50% · 4.625%
HK$30,150
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,280/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,310
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,221
−HK$927/mo
Today · 4.125%
HK$31,148
baseline
▲ 0.50% · 4.625%
HK$33,043
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,296/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,607
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,481
−HK$887/mo
Today · 4.125%
HK$34,368
baseline
▲ 0.50% · 4.625%
HK$36,180
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,736/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,195
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,258
−HK$1,081/mo
Today · 4.125%
HK$36,339
baseline
▲ 0.50% · 4.625%
HK$38,550
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,678/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,041
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,061
−HK$1,035/mo
Today · 4.125%
HK$40,096
baseline
▲ 0.50% · 4.625%
HK$42,210
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,192/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,965
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,332
−HK$1,389/mo
Today · 4.125%
HK$46,721
baseline
▲ 0.50% · 4.625%
HK$49,564
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,442/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,910
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,222
−HK$1,331/mo
Today · 4.125%
HK$51,553
baseline
▲ 0.50% · 4.625%
HK$54,270
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,106/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,678 · Scale 2, in force from 26 Feb 2026)