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$1,533/mo
▼ 0.25% · 3.875%
HK$25,212
−HK$772/mo
Today · 4.125%
HK$25,984
baseline
▲ 0.50% · 4.625%
HK$27,565
+HK$1,581/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$51,968/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,202
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$27,931
−HK$740/mo
Today · 4.125%
HK$28,671
baseline
▲ 0.50% · 4.625%
HK$30,183
+HK$1,512/mo
Deposit HK$5.36M · loan HK$5.36M · min. income ≈ HK$57,342/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$402,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,341
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,254
−HK$927/mo
Today · 4.125%
HK$31,181
baseline
▲ 0.50% · 4.625%
HK$33,079
+HK$1,898/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$62,362/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,642
−HK$1,763/mo
▼ 0.25% · 3.875%
HK$33,517
−HK$888/mo
Today · 4.125%
HK$34,405
baseline
▲ 0.50% · 4.625%
HK$36,219
+HK$1,814/mo
Deposit HK$4.29M · loan HK$6.43M · min. income ≈ HK$68,810/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$402,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,232
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,296
−HK$1,082/mo
Today · 4.125%
HK$36,378
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$2,214/mo
Deposit HK$3.22M · loan HK$7.51M · min. income ≈ HK$72,756/mo (50% DSR)
Upfront cash ≈ HK$3.62M (deposit + AVD stamp duty HK$402,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,082
−HK$2,058/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$402,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,012
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,381
−HK$1,391/mo
Today · 4.125%
HK$46,772
baseline
▲ 0.50% · 4.625%
HK$49,618
+HK$2,846/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$93,544/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,963
−HK$2,645/mo
▼ 0.25% · 3.875%
HK$50,276
−HK$1,332/mo
Today · 4.125%
HK$51,608
baseline
▲ 0.50% · 4.625%
HK$54,329
+HK$2,721/mo
Deposit HK$1.07M · loan HK$9.65M · min. income ≈ HK$103,216/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$402,112 · Scale 2, in force from 26 Feb 2026)