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$24,416
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,175
−HK$772/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,525
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,162
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,890
−HK$739/mo
Today · 4.125%
HK$28,629
baseline
▲ 0.50% · 4.625%
HK$30,139
+HK$1,510/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,258/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,299
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,210
−HK$926/mo
Today · 4.125%
HK$31,136
baseline
▲ 0.50% · 4.625%
HK$33,030
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,272/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,594
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,469
−HK$886/mo
Today · 4.125%
HK$34,355
baseline
▲ 0.50% · 4.625%
HK$36,166
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,710/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,182
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$1,080/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,536
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,027
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,047
−HK$1,034/mo
Today · 4.125%
HK$40,081
baseline
▲ 0.50% · 4.625%
HK$42,194
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,162/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,948
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,315
−HK$1,389/mo
Today · 4.125%
HK$46,704
baseline
▲ 0.50% · 4.625%
HK$49,546
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,408/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,892
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,203
−HK$1,330/mo
Today · 4.125%
HK$51,533
baseline
▲ 0.50% · 4.625%
HK$54,249
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,066/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,526 · Scale 2, in force from 26 Feb 2026)