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$24,380
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$770/mo
Today · 4.125%
HK$25,909
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,818/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$738/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,095
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,256
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,166
−HK$925/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,983
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,547
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,420
−HK$886/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,132
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,194
−HK$1,079/mo
Today · 4.125%
HK$36,273
baseline
▲ 0.50% · 4.625%
HK$38,480
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,546/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,972
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,990
−HK$1,033/mo
Today · 4.125%
HK$40,023
baseline
▲ 0.50% · 4.625%
HK$42,133
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,046/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,885
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,250
−HK$1,386/mo
Today · 4.125%
HK$46,636
baseline
▲ 0.50% · 4.625%
HK$49,474
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,272/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,821
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,130
−HK$1,329/mo
Today · 4.125%
HK$51,459
baseline
▲ 0.50% · 4.625%
HK$54,171
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,918/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,947 · Scale 2, in force from 26 Feb 2026)