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$24,404
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,163
−HK$771/mo
Today · 4.125%
HK$25,934
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,868/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,149
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,877
−HK$739/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,124
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,284
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,195
−HK$926/mo
Today · 4.125%
HK$31,121
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,242/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,452
−HK$887/mo
Today · 4.125%
HK$34,339
baseline
▲ 0.50% · 4.625%
HK$36,149
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,678/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,165
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,228
−HK$1,080/mo
Today · 4.125%
HK$36,308
baseline
▲ 0.50% · 4.625%
HK$38,517
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,616/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,008
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,028
−HK$1,034/mo
Today · 4.125%
HK$40,062
baseline
▲ 0.50% · 4.625%
HK$42,173
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,124/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,927
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,293
−HK$1,388/mo
Today · 4.125%
HK$46,681
baseline
▲ 0.50% · 4.625%
HK$49,522
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,362/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,868
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,178
−HK$1,330/mo
Today · 4.125%
HK$51,508
baseline
▲ 0.50% · 4.625%
HK$54,223
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,016/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,331 · Scale 2, in force from 26 Feb 2026)