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$24,377
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,135
−HK$770/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$738/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,091
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,252
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,162
−HK$924/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,978
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,542
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,415
−HK$886/mo
Today · 4.125%
HK$34,301
baseline
▲ 0.50% · 4.625%
HK$36,109
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,602/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,189
−HK$1,078/mo
Today · 4.125%
HK$36,267
baseline
▲ 0.50% · 4.625%
HK$38,474
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,534/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,966
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,033/mo
Today · 4.125%
HK$40,017
baseline
▲ 0.50% · 4.625%
HK$42,127
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,034/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,878
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,243
−HK$1,386/mo
Today · 4.125%
HK$46,629
baseline
▲ 0.50% · 4.625%
HK$49,467
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,258/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,814
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,123
−HK$1,328/mo
Today · 4.125%
HK$51,451
baseline
▲ 0.50% · 4.625%
HK$54,163
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,902/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,886 · Scale 2, in force from 26 Feb 2026)