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$24,401
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,160
−HK$771/mo
Today · 4.125%
HK$25,931
baseline
▲ 0.50% · 4.625%
HK$27,509
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,862/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,145
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,873
−HK$739/mo
Today · 4.125%
HK$28,612
baseline
▲ 0.50% · 4.625%
HK$30,120
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,224/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,281
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,191
−HK$926/mo
Today · 4.125%
HK$31,117
baseline
▲ 0.50% · 4.625%
HK$33,010
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,234/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,574
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,448
−HK$886/mo
Today · 4.125%
HK$34,334
baseline
▲ 0.50% · 4.625%
HK$36,144
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,668/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,161
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,223
−HK$1,080/mo
Today · 4.125%
HK$36,303
baseline
▲ 0.50% · 4.625%
HK$38,512
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,606/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,004
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,023
−HK$1,034/mo
Today · 4.125%
HK$40,057
baseline
▲ 0.50% · 4.625%
HK$42,168
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,114/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,921
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,287
−HK$1,388/mo
Today · 4.125%
HK$46,675
baseline
▲ 0.50% · 4.625%
HK$49,515
+HK$2,840/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,350/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,862
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,172
−HK$1,330/mo
Today · 4.125%
HK$51,502
baseline
▲ 0.50% · 4.625%
HK$54,216
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,004/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,281 · Scale 2, in force from 26 Feb 2026)