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$24,386
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,145
−HK$770/mo
Today · 4.125%
HK$25,915
baseline
▲ 0.50% · 4.625%
HK$27,492
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,830/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,129
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,857
−HK$738/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,263
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,174
−HK$924/mo
Today · 4.125%
HK$31,098
baseline
▲ 0.50% · 4.625%
HK$32,991
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,196/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$886/mo
Today · 4.125%
HK$34,314
baseline
▲ 0.50% · 4.625%
HK$36,123
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,628/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,141
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,203
−HK$1,079/mo
Today · 4.125%
HK$36,282
baseline
▲ 0.50% · 4.625%
HK$38,489
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,564/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,981
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,000
−HK$1,033/mo
Today · 4.125%
HK$40,033
baseline
▲ 0.50% · 4.625%
HK$42,143
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,066/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,895
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,260
−HK$1,388/mo
Today · 4.125%
HK$46,648
baseline
▲ 0.50% · 4.625%
HK$49,486
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,296/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,833
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,142
−HK$1,329/mo
Today · 4.125%
HK$51,471
baseline
▲ 0.50% · 4.625%
HK$54,184
+HK$2,713/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,942/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,043 · Scale 2, in force from 26 Feb 2026)