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$24,392
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,150
−HK$771/mo
Today · 4.125%
HK$25,921
baseline
▲ 0.50% · 4.625%
HK$27,499
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,842/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,136
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,863
−HK$739/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,109
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,204/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,270
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,181
−HK$925/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,998
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,563
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,436
−HK$886/mo
Today · 4.125%
HK$34,322
baseline
▲ 0.50% · 4.625%
HK$36,131
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,644/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,148
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,211
−HK$1,079/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,498
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,990
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,033/mo
Today · 4.125%
HK$40,042
baseline
▲ 0.50% · 4.625%
HK$42,153
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,084/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,905
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,271
−HK$1,387/mo
Today · 4.125%
HK$46,658
baseline
▲ 0.50% · 4.625%
HK$49,497
+HK$2,839/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,316/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,844
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,154
−HK$1,329/mo
Today · 4.125%
HK$51,483
baseline
▲ 0.50% · 4.625%
HK$54,197
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,966/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,135 · Scale 2, in force from 26 Feb 2026)