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$24,436
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,196
−HK$772/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,185
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,914
−HK$739/mo
Today · 4.125%
HK$28,653
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,306/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,323
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,235
−HK$927/mo
Today · 4.125%
HK$31,162
baseline
▲ 0.50% · 4.625%
HK$33,058
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,324/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,622
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,497
−HK$887/mo
Today · 4.125%
HK$34,384
baseline
▲ 0.50% · 4.625%
HK$36,197
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,768/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,210
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,274
−HK$1,082/mo
Today · 4.125%
HK$36,356
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$2,212/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,712/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,079
−HK$1,036/mo
Today · 4.125%
HK$40,115
baseline
▲ 0.50% · 4.625%
HK$42,229
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,230/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,985
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$45,353
−HK$1,390/mo
Today · 4.125%
HK$46,743
baseline
▲ 0.50% · 4.625%
HK$49,587
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,486/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,932
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,245
−HK$1,331/mo
Today · 4.125%
HK$51,576
baseline
▲ 0.50% · 4.625%
HK$54,295
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,152/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,861 · Scale 2, in force from 26 Feb 2026)