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$24,402
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$771/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,510
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,147
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,875
−HK$739/mo
Today · 4.125%
HK$28,614
baseline
▲ 0.50% · 4.625%
HK$30,122
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,228/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,283
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$926/mo
Today · 4.125%
HK$31,119
baseline
▲ 0.50% · 4.625%
HK$33,012
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,238/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,577
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,450
−HK$887/mo
Today · 4.125%
HK$34,337
baseline
▲ 0.50% · 4.625%
HK$36,147
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,674/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,163
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,226
−HK$1,079/mo
Today · 4.125%
HK$36,305
baseline
▲ 0.50% · 4.625%
HK$38,514
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,610/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,006
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,025
−HK$1,034/mo
Today · 4.125%
HK$40,059
baseline
▲ 0.50% · 4.625%
HK$42,171
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,118/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,924
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,290
−HK$1,388/mo
Today · 4.125%
HK$46,678
baseline
▲ 0.50% · 4.625%
HK$49,519
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,356/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,865
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,175
−HK$1,330/mo
Today · 4.125%
HK$51,505
baseline
▲ 0.50% · 4.625%
HK$54,220
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,010/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,306 · Scale 2, in force from 26 Feb 2026)