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$24,444
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,204
−HK$773/mo
Today · 4.125%
HK$25,977
baseline
▲ 0.50% · 4.625%
HK$27,558
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,954/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,194
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,923
−HK$740/mo
Today · 4.125%
HK$28,663
baseline
▲ 0.50% · 4.625%
HK$30,174
+HK$1,511/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,326/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,333
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,245
−HK$927/mo
Today · 4.125%
HK$31,172
baseline
▲ 0.50% · 4.625%
HK$33,069
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,344/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,632
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,508
−HK$888/mo
Today · 4.125%
HK$34,396
baseline
▲ 0.50% · 4.625%
HK$36,209
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,792/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,222
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,286
−HK$1,082/mo
Today · 4.125%
HK$36,368
baseline
▲ 0.50% · 4.625%
HK$38,581
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,736/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,071
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,092
−HK$1,036/mo
Today · 4.125%
HK$40,128
baseline
▲ 0.50% · 4.625%
HK$42,243
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,256/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,999
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,368
−HK$1,390/mo
Today · 4.125%
HK$46,758
baseline
▲ 0.50% · 4.625%
HK$49,604
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,516/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,949
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,261
−HK$1,332/mo
Today · 4.125%
HK$51,593
baseline
▲ 0.50% · 4.625%
HK$54,313
+HK$2,720/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,186/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,995 · Scale 2, in force from 26 Feb 2026)