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$24,384
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,142
−HK$771/mo
Today · 4.125%
HK$25,913
baseline
▲ 0.50% · 4.625%
HK$27,489
+HK$1,576/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,826/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,126
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,854
−HK$738/mo
Today · 4.125%
HK$28,592
baseline
▲ 0.50% · 4.625%
HK$30,099
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,184/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,170
−HK$925/mo
Today · 4.125%
HK$31,095
baseline
▲ 0.50% · 4.625%
HK$32,987
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,190/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,552
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,425
−HK$885/mo
Today · 4.125%
HK$34,310
baseline
▲ 0.50% · 4.625%
HK$36,119
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,620/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,137
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,199
−HK$1,079/mo
Today · 4.125%
HK$36,278
baseline
▲ 0.50% · 4.625%
HK$38,485
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,556/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,977
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,995
−HK$1,034/mo
Today · 4.125%
HK$40,029
baseline
▲ 0.50% · 4.625%
HK$42,139
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,058/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,890
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,256
−HK$1,387/mo
Today · 4.125%
HK$46,643
baseline
▲ 0.50% · 4.625%
HK$49,481
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,286/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,828
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,137
−HK$1,329/mo
Today · 4.125%
HK$51,466
baseline
▲ 0.50% · 4.625%
HK$54,178
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,932/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,000 · Scale 2, in force from 26 Feb 2026)