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$24,389
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,148
−HK$770/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,496
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,133
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,860
−HK$738/mo
Today · 4.125%
HK$28,598
baseline
▲ 0.50% · 4.625%
HK$30,106
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,196/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,267
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,177
−HK$925/mo
Today · 4.125%
HK$31,102
baseline
▲ 0.50% · 4.625%
HK$32,995
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,204/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,559
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,432
−HK$886/mo
Today · 4.125%
HK$34,318
baseline
▲ 0.50% · 4.625%
HK$36,127
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,636/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,145
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,207
−HK$1,079/mo
Today · 4.125%
HK$36,286
baseline
▲ 0.50% · 4.625%
HK$38,494
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,572/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,986
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,004
−HK$1,034/mo
Today · 4.125%
HK$40,038
baseline
▲ 0.50% · 4.625%
HK$42,148
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,076/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,900
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,266
−HK$1,387/mo
Today · 4.125%
HK$46,653
baseline
▲ 0.50% · 4.625%
HK$49,492
+HK$2,839/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,306/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,839
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,148
−HK$1,329/mo
Today · 4.125%
HK$51,477
baseline
▲ 0.50% · 4.625%
HK$54,191
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,954/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,091 · Scale 2, in force from 26 Feb 2026)