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$24,394
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,153
−HK$771/mo
Today · 4.125%
HK$25,924
baseline
▲ 0.50% · 4.625%
HK$27,501
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,848/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,138
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,866
−HK$738/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,112
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,273
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,183
−HK$926/mo
Today · 4.125%
HK$31,109
baseline
▲ 0.50% · 4.625%
HK$33,001
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,218/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,566
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,439
−HK$886/mo
Today · 4.125%
HK$34,325
baseline
▲ 0.50% · 4.625%
HK$36,135
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,650/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,152
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,214
−HK$1,079/mo
Today · 4.125%
HK$36,293
baseline
▲ 0.50% · 4.625%
HK$38,502
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,586/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,993
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,012
−HK$1,034/mo
Today · 4.125%
HK$40,046
baseline
▲ 0.50% · 4.625%
HK$42,157
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,092/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,909
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,275
−HK$1,388/mo
Today · 4.125%
HK$46,663
baseline
▲ 0.50% · 4.625%
HK$49,502
+HK$2,839/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,326/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,849
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,159
−HK$1,329/mo
Today · 4.125%
HK$51,488
baseline
▲ 0.50% · 4.625%
HK$54,202
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,976/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,174 · Scale 2, in force from 26 Feb 2026)