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$24,419
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,179
−HK$771/mo
Today · 4.125%
HK$25,950
baseline
▲ 0.50% · 4.625%
HK$27,529
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,900/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,166
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,895
−HK$739/mo
Today · 4.125%
HK$28,634
baseline
▲ 0.50% · 4.625%
HK$30,143
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,268/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,303
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,214
−HK$926/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$33,035
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,599
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,473
−HK$887/mo
Today · 4.125%
HK$34,360
baseline
▲ 0.50% · 4.625%
HK$36,172
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,720/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,187
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,250
−HK$1,081/mo
Today · 4.125%
HK$36,331
baseline
▲ 0.50% · 4.625%
HK$38,541
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,662/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,032
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,052
−HK$1,035/mo
Today · 4.125%
HK$40,087
baseline
▲ 0.50% · 4.625%
HK$42,200
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,174/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,954
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,322
−HK$1,389/mo
Today · 4.125%
HK$46,711
baseline
▲ 0.50% · 4.625%
HK$49,553
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,422/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,899
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,210
−HK$1,331/mo
Today · 4.125%
HK$51,541
baseline
▲ 0.50% · 4.625%
HK$54,257
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,082/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,585 · Scale 2, in force from 26 Feb 2026)