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$24,387
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,146
−HK$771/mo
Today · 4.125%
HK$25,917
baseline
▲ 0.50% · 4.625%
HK$27,493
+HK$1,576/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,834/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,131
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,858
−HK$738/mo
Today · 4.125%
HK$28,596
baseline
▲ 0.50% · 4.625%
HK$30,104
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,192/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,265
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,175
−HK$925/mo
Today · 4.125%
HK$31,100
baseline
▲ 0.50% · 4.625%
HK$32,992
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,200/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,557
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,430
−HK$886/mo
Today · 4.125%
HK$34,316
baseline
▲ 0.50% · 4.625%
HK$36,124
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,632/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,142
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,204
−HK$1,079/mo
Today · 4.125%
HK$36,283
baseline
▲ 0.50% · 4.625%
HK$38,491
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,566/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,983
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,001
−HK$1,034/mo
Today · 4.125%
HK$40,035
baseline
▲ 0.50% · 4.625%
HK$42,145
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,070/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,897
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,262
−HK$1,388/mo
Today · 4.125%
HK$46,650
baseline
▲ 0.50% · 4.625%
HK$49,488
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,300/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,835
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,145
−HK$1,328/mo
Today · 4.125%
HK$51,473
baseline
▲ 0.50% · 4.625%
HK$54,187
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,946/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,061 · Scale 2, in force from 26 Feb 2026)