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$24,396
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,155
−HK$771/mo
Today · 4.125%
HK$25,926
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,852/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,141
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$738/mo
Today · 4.125%
HK$28,607
baseline
▲ 0.50% · 4.625%
HK$30,115
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,214/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,276
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,186
−HK$925/mo
Today · 4.125%
HK$31,111
baseline
▲ 0.50% · 4.625%
HK$33,004
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,222/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,569
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,442
−HK$886/mo
Today · 4.125%
HK$34,328
baseline
▲ 0.50% · 4.625%
HK$36,138
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,656/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,155
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,217
−HK$1,080/mo
Today · 4.125%
HK$36,297
baseline
▲ 0.50% · 4.625%
HK$38,505
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,594/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,997
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,016
−HK$1,034/mo
Today · 4.125%
HK$40,050
baseline
▲ 0.50% · 4.625%
HK$42,161
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,100/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,913
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,279
−HK$1,388/mo
Today · 4.125%
HK$46,667
baseline
▲ 0.50% · 4.625%
HK$49,507
+HK$2,840/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,334/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,853
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,163
−HK$1,330/mo
Today · 4.125%
HK$51,493
baseline
▲ 0.50% · 4.625%
HK$54,207
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,986/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,211 · Scale 2, in force from 26 Feb 2026)