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$24,405
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,164
−HK$771/mo
Today · 4.125%
HK$25,935
baseline
▲ 0.50% · 4.625%
HK$27,513
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,870/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,150
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,878
−HK$739/mo
Today · 4.125%
HK$28,617
baseline
▲ 0.50% · 4.625%
HK$30,125
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,234/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,286
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,197
−HK$925/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$33,016
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,580
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,454
−HK$886/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,150
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,167
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$1,080/mo
Today · 4.125%
HK$36,309
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,618/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,010
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,029
−HK$1,034/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,175
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,928
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,295
−HK$1,388/mo
Today · 4.125%
HK$46,683
baseline
▲ 0.50% · 4.625%
HK$49,524
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,366/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,870
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,181
−HK$1,329/mo
Today · 4.125%
HK$51,510
baseline
▲ 0.50% · 4.625%
HK$54,225
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,020/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,348 · Scale 2, in force from 26 Feb 2026)