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$24,421
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,181
−HK$772/mo
Today · 4.125%
HK$25,953
baseline
▲ 0.50% · 4.625%
HK$27,532
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,906/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,169
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,897
−HK$739/mo
Today · 4.125%
HK$28,636
baseline
▲ 0.50% · 4.625%
HK$30,146
+HK$1,510/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,272/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,306
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,217
−HK$926/mo
Today · 4.125%
HK$31,143
baseline
▲ 0.50% · 4.625%
HK$33,038
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,286/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,602
−HK$1,762/mo
▼ 0.25% · 3.875%
HK$33,477
−HK$887/mo
Today · 4.125%
HK$34,364
baseline
▲ 0.50% · 4.625%
HK$36,175
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,728/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,190
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,254
−HK$1,080/mo
Today · 4.125%
HK$36,334
baseline
▲ 0.50% · 4.625%
HK$38,545
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,668/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,036
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,056
−HK$1,035/mo
Today · 4.125%
HK$40,091
baseline
▲ 0.50% · 4.625%
HK$42,204
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,182/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,959
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,326
−HK$1,389/mo
Today · 4.125%
HK$46,715
baseline
▲ 0.50% · 4.625%
HK$49,558
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,430/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,903
−HK$2,643/mo
▼ 0.25% · 3.875%
HK$50,215
−HK$1,331/mo
Today · 4.125%
HK$51,546
baseline
▲ 0.50% · 4.625%
HK$54,263
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,092/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,624 · Scale 2, in force from 26 Feb 2026)