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$24,397
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,156
−HK$771/mo
Today · 4.125%
HK$25,927
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,854/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,141
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$738/mo
Today · 4.125%
HK$28,607
baseline
▲ 0.50% · 4.625%
HK$30,115
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,214/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,276
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,187
−HK$925/mo
Today · 4.125%
HK$31,112
baseline
▲ 0.50% · 4.625%
HK$33,005
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,224/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,569
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,443
−HK$886/mo
Today · 4.125%
HK$34,329
baseline
▲ 0.50% · 4.625%
HK$36,138
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,658/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,155
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,218
−HK$1,079/mo
Today · 4.125%
HK$36,297
baseline
▲ 0.50% · 4.625%
HK$38,506
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,594/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,998
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,017
−HK$1,033/mo
Today · 4.125%
HK$40,050
baseline
▲ 0.50% · 4.625%
HK$42,162
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,100/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,914
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,280
−HK$1,388/mo
Today · 4.125%
HK$46,668
baseline
▲ 0.50% · 4.625%
HK$49,508
+HK$2,840/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,336/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,854
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,164
−HK$1,329/mo
Today · 4.125%
HK$51,493
baseline
▲ 0.50% · 4.625%
HK$54,208
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,986/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,217 · Scale 2, in force from 26 Feb 2026)