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$24,395
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,154
−HK$771/mo
Today · 4.125%
HK$25,925
baseline
▲ 0.50% · 4.625%
HK$27,502
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,850/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,139
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,867
−HK$738/mo
Today · 4.125%
HK$28,605
baseline
▲ 0.50% · 4.625%
HK$30,113
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,210/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,274
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,185
−HK$925/mo
Today · 4.125%
HK$31,110
baseline
▲ 0.50% · 4.625%
HK$33,003
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,220/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,567
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,440
−HK$887/mo
Today · 4.125%
HK$34,327
baseline
▲ 0.50% · 4.625%
HK$36,136
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,654/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,153
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,215
−HK$1,080/mo
Today · 4.125%
HK$36,295
baseline
▲ 0.50% · 4.625%
HK$38,503
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,590/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,995
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,014
−HK$1,034/mo
Today · 4.125%
HK$40,048
baseline
▲ 0.50% · 4.625%
HK$42,159
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,096/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,911
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,277
−HK$1,388/mo
Today · 4.125%
HK$46,665
baseline
▲ 0.50% · 4.625%
HK$49,504
+HK$2,839/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,330/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,851
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,161
−HK$1,329/mo
Today · 4.125%
HK$51,490
baseline
▲ 0.50% · 4.625%
HK$54,204
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,980/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,189 · Scale 2, in force from 26 Feb 2026)