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$24,384
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$770/mo
Today · 4.125%
HK$25,913
baseline
▲ 0.50% · 4.625%
HK$27,490
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,826/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,127
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,855
−HK$738/mo
Today · 4.125%
HK$28,593
baseline
▲ 0.50% · 4.625%
HK$30,100
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,186/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,261
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,171
−HK$925/mo
Today · 4.125%
HK$31,096
baseline
▲ 0.50% · 4.625%
HK$32,988
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,192/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,425
−HK$886/mo
Today · 4.125%
HK$34,311
baseline
▲ 0.50% · 4.625%
HK$36,120
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,622/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,138
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,200
−HK$1,078/mo
Today · 4.125%
HK$36,278
baseline
▲ 0.50% · 4.625%
HK$38,486
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,556/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,978
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,034/mo
Today · 4.125%
HK$40,030
baseline
▲ 0.50% · 4.625%
HK$42,140
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,060/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,891
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,257
−HK$1,387/mo
Today · 4.125%
HK$46,644
baseline
▲ 0.50% · 4.625%
HK$49,482
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,288/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,829
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,138
−HK$1,329/mo
Today · 4.125%
HK$51,467
baseline
▲ 0.50% · 4.625%
HK$54,180
+HK$2,713/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,934/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,008 · Scale 2, in force from 26 Feb 2026)