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$1,531/mo
▼ 0.25% · 3.875%
HK$25,177
−HK$772/mo
Today · 4.125%
HK$25,949
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,898/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,165
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,893
−HK$739/mo
Today · 4.125%
HK$28,632
baseline
▲ 0.50% · 4.625%
HK$30,142
+HK$1,510/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,264/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,301
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,213
−HK$926/mo
Today · 4.125%
HK$31,139
baseline
▲ 0.50% · 4.625%
HK$33,034
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,278/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,598
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,472
−HK$887/mo
Today · 4.125%
HK$34,359
baseline
▲ 0.50% · 4.625%
HK$36,170
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,718/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,185
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,248
−HK$1,081/mo
Today · 4.125%
HK$36,329
baseline
▲ 0.50% · 4.625%
HK$38,539
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,658/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,031
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,050
−HK$1,035/mo
Today · 4.125%
HK$40,085
baseline
▲ 0.50% · 4.625%
HK$42,198
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,170/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,952
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,319
−HK$1,389/mo
Today · 4.125%
HK$46,708
baseline
▲ 0.50% · 4.625%
HK$49,551
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,416/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,896
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,208
−HK$1,330/mo
Today · 4.125%
HK$51,538
baseline
▲ 0.50% · 4.625%
HK$54,255
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,076/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,566 · Scale 2, in force from 26 Feb 2026)