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$24,438
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$773/mo
Today · 4.125%
HK$25,971
baseline
▲ 0.50% · 4.625%
HK$27,551
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,942/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,187
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,916
−HK$740/mo
Today · 4.125%
HK$28,656
baseline
▲ 0.50% · 4.625%
HK$30,166
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,312/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,326
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$927/mo
Today · 4.125%
HK$31,165
baseline
▲ 0.50% · 4.625%
HK$33,061
+HK$1,896/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,330/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,625
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,499
−HK$888/mo
Today · 4.125%
HK$34,387
baseline
▲ 0.50% · 4.625%
HK$36,200
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,774/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,213
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$1,082/mo
Today · 4.125%
HK$36,359
baseline
▲ 0.50% · 4.625%
HK$38,571
+HK$2,212/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,718/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,062
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,083
−HK$1,035/mo
Today · 4.125%
HK$40,118
baseline
▲ 0.50% · 4.625%
HK$42,233
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,236/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,988
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,357
−HK$1,390/mo
Today · 4.125%
HK$46,747
baseline
▲ 0.50% · 4.625%
HK$49,591
+HK$2,844/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,494/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,937
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,249
−HK$1,332/mo
Today · 4.125%
HK$51,581
baseline
▲ 0.50% · 4.625%
HK$54,300
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,162/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,897 · Scale 2, in force from 26 Feb 2026)