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$24,382
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,141
−HK$770/mo
Today · 4.125%
HK$25,911
baseline
▲ 0.50% · 4.625%
HK$27,488
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,822/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,125
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,852
−HK$738/mo
Today · 4.125%
HK$28,590
baseline
▲ 0.50% · 4.625%
HK$30,097
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,180/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,259
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,169
−HK$924/mo
Today · 4.125%
HK$31,093
baseline
▲ 0.50% · 4.625%
HK$32,985
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,186/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,550
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,423
−HK$885/mo
Today · 4.125%
HK$34,308
baseline
▲ 0.50% · 4.625%
HK$36,117
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,616/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,135
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,197
−HK$1,079/mo
Today · 4.125%
HK$36,276
baseline
▲ 0.50% · 4.625%
HK$38,483
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,552/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,975
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,993
−HK$1,034/mo
Today · 4.125%
HK$40,027
baseline
▲ 0.50% · 4.625%
HK$42,136
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,054/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,888
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,253
−HK$1,387/mo
Today · 4.125%
HK$46,640
baseline
▲ 0.50% · 4.625%
HK$49,478
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,280/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,825
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,134
−HK$1,329/mo
Today · 4.125%
HK$51,463
baseline
▲ 0.50% · 4.625%
HK$54,175
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,926/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,978 · Scale 2, in force from 26 Feb 2026)