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$24,410
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,170
−HK$771/mo
Today · 4.125%
HK$25,941
baseline
▲ 0.50% · 4.625%
HK$27,520
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,882/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,156
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,885
−HK$739/mo
Today · 4.125%
HK$28,624
baseline
▲ 0.50% · 4.625%
HK$30,132
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,248/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,293
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,204
−HK$925/mo
Today · 4.125%
HK$31,129
baseline
▲ 0.50% · 4.625%
HK$33,024
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,258/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,588
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,462
−HK$886/mo
Today · 4.125%
HK$34,348
baseline
▲ 0.50% · 4.625%
HK$36,159
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,696/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,175
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,238
−HK$1,080/mo
Today · 4.125%
HK$36,318
baseline
▲ 0.50% · 4.625%
HK$38,528
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,636/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,019
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,039
−HK$1,034/mo
Today · 4.125%
HK$40,073
baseline
▲ 0.50% · 4.625%
HK$42,185
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,146/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,939
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,306
−HK$1,388/mo
Today · 4.125%
HK$46,694
baseline
▲ 0.50% · 4.625%
HK$49,535
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,388/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,882
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,193
−HK$1,329/mo
Today · 4.125%
HK$51,522
baseline
▲ 0.50% · 4.625%
HK$54,238
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,044/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,443 · Scale 2, in force from 26 Feb 2026)