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$24,388
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,147
−HK$771/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,495
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,132
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,860
−HK$738/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,105
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,266
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$925/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,994
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,558
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,431
−HK$886/mo
Today · 4.125%
HK$34,317
baseline
▲ 0.50% · 4.625%
HK$36,126
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,634/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,144
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,206
−HK$1,079/mo
Today · 4.125%
HK$36,285
baseline
▲ 0.50% · 4.625%
HK$38,493
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,570/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,985
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,003
−HK$1,034/mo
Today · 4.125%
HK$40,037
baseline
▲ 0.50% · 4.625%
HK$42,147
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,074/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,899
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,265
−HK$1,387/mo
Today · 4.125%
HK$46,652
baseline
▲ 0.50% · 4.625%
HK$49,491
+HK$2,839/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,304/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,837
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,147
−HK$1,329/mo
Today · 4.125%
HK$51,476
baseline
▲ 0.50% · 4.625%
HK$54,189
+HK$2,713/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,952/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,081 · Scale 2, in force from 26 Feb 2026)