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$24,406
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,165
−HK$772/mo
Today · 4.125%
HK$25,937
baseline
▲ 0.50% · 4.625%
HK$27,515
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,874/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,152
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,880
−HK$738/mo
Today · 4.125%
HK$28,618
baseline
▲ 0.50% · 4.625%
HK$30,127
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,236/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,198
−HK$926/mo
Today · 4.125%
HK$31,124
baseline
▲ 0.50% · 4.625%
HK$33,018
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,248/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,582
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,456
−HK$886/mo
Today · 4.125%
HK$34,342
baseline
▲ 0.50% · 4.625%
HK$36,152
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,684/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,169
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,231
−HK$1,080/mo
Today · 4.125%
HK$36,311
baseline
▲ 0.50% · 4.625%
HK$38,521
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,622/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,012
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,032
−HK$1,034/mo
Today · 4.125%
HK$40,066
baseline
▲ 0.50% · 4.625%
HK$42,178
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,132/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,931
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,297
−HK$1,389/mo
Today · 4.125%
HK$46,686
baseline
▲ 0.50% · 4.625%
HK$49,527
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,372/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,873
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,183
−HK$1,330/mo
Today · 4.125%
HK$51,513
baseline
▲ 0.50% · 4.625%
HK$54,228
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,026/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,371 · Scale 2, in force from 26 Feb 2026)