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$24,440
−HK$1,533/mo
▼ 0.25% · 3.875%
HK$25,200
−HK$773/mo
Today · 4.125%
HK$25,973
baseline
▲ 0.50% · 4.625%
HK$27,553
+HK$1,580/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,946/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,190
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,919
−HK$740/mo
Today · 4.125%
HK$28,659
baseline
▲ 0.50% · 4.625%
HK$30,169
+HK$1,510/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,318/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,328
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$926/mo
Today · 4.125%
HK$31,167
baseline
▲ 0.50% · 4.625%
HK$33,064
+HK$1,897/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,334/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,627
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,503
−HK$887/mo
Today · 4.125%
HK$34,390
baseline
▲ 0.50% · 4.625%
HK$36,203
+HK$1,813/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,780/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,216
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,281
−HK$1,081/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,575
+HK$2,213/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$72,724/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,065
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,086
−HK$1,036/mo
Today · 4.125%
HK$40,122
baseline
▲ 0.50% · 4.625%
HK$42,237
+HK$2,115/mo
Deposit HK$3.22M · loan HK$7.50M · min. income ≈ HK$80,244/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$401,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,992
−HK$2,759/mo
▼ 0.25% · 3.875%
HK$45,361
−HK$1,390/mo
Today · 4.125%
HK$46,751
baseline
▲ 0.50% · 4.625%
HK$49,596
+HK$2,845/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,502/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,941
−HK$2,644/mo
▼ 0.25% · 3.875%
HK$50,254
−HK$1,331/mo
Today · 4.125%
HK$51,585
baseline
▲ 0.50% · 4.625%
HK$54,304
+HK$2,719/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,170/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,933 · Scale 2, in force from 26 Feb 2026)