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$24,418
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,178
−HK$772/mo
Today · 4.125%
HK$25,950
baseline
▲ 0.50% · 4.625%
HK$27,529
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,900/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,165
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,894
−HK$739/mo
Today · 4.125%
HK$28,633
baseline
▲ 0.50% · 4.625%
HK$30,142
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,266/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,302
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,214
−HK$926/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$33,034
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,598
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,473
−HK$887/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,171
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,186
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,249
−HK$1,081/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,540
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,031
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,051
−HK$1,035/mo
Today · 4.125%
HK$40,086
baseline
▲ 0.50% · 4.625%
HK$42,199
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,172/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,953
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,320
−HK$1,390/mo
Today · 4.125%
HK$46,710
baseline
▲ 0.50% · 4.625%
HK$49,552
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,420/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,898
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,209
−HK$1,330/mo
Today · 4.125%
HK$51,539
baseline
▲ 0.50% · 4.625%
HK$54,256
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,078/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,575 · Scale 2, in force from 26 Feb 2026)