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$24,381
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,139
−HK$770/mo
Today · 4.125%
HK$25,909
baseline
▲ 0.50% · 4.625%
HK$27,486
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,818/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,123
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,850
−HK$738/mo
Today · 4.125%
HK$28,588
baseline
▲ 0.50% · 4.625%
HK$30,095
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,176/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,257
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,167
−HK$924/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,983
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,548
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,421
−HK$885/mo
Today · 4.125%
HK$34,306
baseline
▲ 0.50% · 4.625%
HK$36,114
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,612/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,133
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,194
−HK$1,079/mo
Today · 4.125%
HK$36,273
baseline
▲ 0.50% · 4.625%
HK$38,480
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,546/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,972
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,991
−HK$1,033/mo
Today · 4.125%
HK$40,024
baseline
▲ 0.50% · 4.625%
HK$42,134
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,048/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,885
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,250
−HK$1,387/mo
Today · 4.125%
HK$46,637
baseline
▲ 0.50% · 4.625%
HK$49,475
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,274/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,822
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,131
−HK$1,328/mo
Today · 4.125%
HK$51,459
baseline
▲ 0.50% · 4.625%
HK$54,172
+HK$2,713/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,918/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,950 · Scale 2, in force from 26 Feb 2026)