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$24,451
−HK$1,534/mo
▼ 0.25% · 3.875%
HK$25,212
−HK$773/mo
Today · 4.125%
HK$25,985
baseline
▲ 0.50% · 4.625%
HK$27,566
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,970/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,202
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$27,932
−HK$740/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,183
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,342
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,254
−HK$928/mo
Today · 4.125%
HK$31,182
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,364/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,642
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,518
−HK$888/mo
Today · 4.125%
HK$34,406
baseline
▲ 0.50% · 4.625%
HK$36,220
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,812/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,232
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,297
−HK$1,082/mo
Today · 4.125%
HK$36,379
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,758/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,083
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,104
−HK$1,036/mo
Today · 4.125%
HK$40,140
baseline
▲ 0.50% · 4.625%
HK$42,256
+HK$2,116/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$80,280/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,013
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,382
−HK$1,391/mo
Today · 4.125%
HK$46,773
baseline
▲ 0.50% · 4.625%
HK$49,619
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,546/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,964
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,277
−HK$1,332/mo
Today · 4.125%
HK$51,609
baseline
▲ 0.50% · 4.625%
HK$54,329
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,218/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,117 · Scale 2, in force from 26 Feb 2026)