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$24,414
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,174
−HK$771/mo
Today · 4.125%
HK$25,945
baseline
▲ 0.50% · 4.625%
HK$27,524
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,890/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,160
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,889
−HK$739/mo
Today · 4.125%
HK$28,628
baseline
▲ 0.50% · 4.625%
HK$30,137
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,256/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,297
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,208
−HK$926/mo
Today · 4.125%
HK$31,134
baseline
▲ 0.50% · 4.625%
HK$33,029
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,268/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,593
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,467
−HK$886/mo
Today · 4.125%
HK$34,353
baseline
▲ 0.50% · 4.625%
HK$36,164
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,706/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,180
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$1,080/mo
Today · 4.125%
HK$36,323
baseline
▲ 0.50% · 4.625%
HK$38,533
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,646/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,025
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,044
−HK$1,035/mo
Today · 4.125%
HK$40,079
baseline
▲ 0.50% · 4.625%
HK$42,192
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,158/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,945
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,312
−HK$1,389/mo
Today · 4.125%
HK$46,701
baseline
▲ 0.50% · 4.625%
HK$49,543
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,402/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,889
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,200
−HK$1,330/mo
Today · 4.125%
HK$51,530
baseline
▲ 0.50% · 4.625%
HK$54,246
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,060/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,503 · Scale 2, in force from 26 Feb 2026)