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$1,530/mo
▼ 0.25% · 3.875%
HK$25,169
−HK$771/mo
Today · 4.125%
HK$25,940
baseline
▲ 0.50% · 4.625%
HK$27,519
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,880/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,155
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,884
−HK$739/mo
Today · 4.125%
HK$28,623
baseline
▲ 0.50% · 4.625%
HK$30,131
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,246/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,292
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,203
−HK$925/mo
Today · 4.125%
HK$31,128
baseline
▲ 0.50% · 4.625%
HK$33,022
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,256/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,587
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,460
−HK$887/mo
Today · 4.125%
HK$34,347
baseline
▲ 0.50% · 4.625%
HK$36,158
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,694/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,173
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,236
−HK$1,080/mo
Today · 4.125%
HK$36,316
baseline
▲ 0.50% · 4.625%
HK$38,526
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,632/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,018
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,037
−HK$1,035/mo
Today · 4.125%
HK$40,072
baseline
▲ 0.50% · 4.625%
HK$42,184
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,144/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,937
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,304
−HK$1,389/mo
Today · 4.125%
HK$46,693
baseline
▲ 0.50% · 4.625%
HK$49,534
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,386/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,880
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,191
−HK$1,330/mo
Today · 4.125%
HK$51,521
baseline
▲ 0.50% · 4.625%
HK$54,236
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,042/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,429 · Scale 2, in force from 26 Feb 2026)