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$24,420
−HK$1,532/mo
▼ 0.25% · 3.875%
HK$25,180
−HK$772/mo
Today · 4.125%
HK$25,952
baseline
▲ 0.50% · 4.625%
HK$27,531
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,904/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,168
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,896
−HK$739/mo
Today · 4.125%
HK$28,635
baseline
▲ 0.50% · 4.625%
HK$30,145
+HK$1,510/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,270/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,305
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$926/mo
Today · 4.125%
HK$31,142
baseline
▲ 0.50% · 4.625%
HK$33,037
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,284/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,601
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,475
−HK$887/mo
Today · 4.125%
HK$34,362
baseline
▲ 0.50% · 4.625%
HK$36,174
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,724/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,189
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,252
−HK$1,081/mo
Today · 4.125%
HK$36,333
baseline
▲ 0.50% · 4.625%
HK$38,543
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,666/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,035
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,055
−HK$1,034/mo
Today · 4.125%
HK$40,089
baseline
▲ 0.50% · 4.625%
HK$42,203
+HK$2,114/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,178/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,957
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,324
−HK$1,389/mo
Today · 4.125%
HK$46,713
baseline
▲ 0.50% · 4.625%
HK$49,556
+HK$2,843/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,426/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,902
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,213
−HK$1,331/mo
Today · 4.125%
HK$51,544
baseline
▲ 0.50% · 4.625%
HK$54,260
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,088/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,608 · Scale 2, in force from 26 Feb 2026)