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$24,408
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,167
−HK$772/mo
Today · 4.125%
HK$25,939
baseline
▲ 0.50% · 4.625%
HK$27,517
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,878/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,154
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,882
−HK$739/mo
Today · 4.125%
HK$28,621
baseline
▲ 0.50% · 4.625%
HK$30,129
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,242/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$925/mo
Today · 4.125%
HK$31,126
baseline
▲ 0.50% · 4.625%
HK$33,020
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,252/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,584
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,458
−HK$887/mo
Today · 4.125%
HK$34,345
baseline
▲ 0.50% · 4.625%
HK$36,155
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,690/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,171
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$1,080/mo
Today · 4.125%
HK$36,314
baseline
▲ 0.50% · 4.625%
HK$38,524
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,628/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,015
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,035
−HK$1,034/mo
Today · 4.125%
HK$40,069
baseline
▲ 0.50% · 4.625%
HK$42,181
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,138/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,934
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,301
−HK$1,389/mo
Today · 4.125%
HK$46,690
baseline
▲ 0.50% · 4.625%
HK$49,531
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,380/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,877
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,188
−HK$1,329/mo
Today · 4.125%
HK$51,517
baseline
▲ 0.50% · 4.625%
HK$54,233
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,034/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,404 · Scale 2, in force from 26 Feb 2026)