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$24,403
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,162
−HK$771/mo
Today · 4.125%
HK$25,933
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,866/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,148
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,876
−HK$739/mo
Today · 4.125%
HK$28,615
baseline
▲ 0.50% · 4.625%
HK$30,123
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,230/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,283
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,194
−HK$926/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,577
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,451
−HK$887/mo
Today · 4.125%
HK$34,338
baseline
▲ 0.50% · 4.625%
HK$36,148
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,676/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,164
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,227
−HK$1,079/mo
Today · 4.125%
HK$36,306
baseline
▲ 0.50% · 4.625%
HK$38,515
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,612/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,007
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,026
−HK$1,034/mo
Today · 4.125%
HK$40,060
baseline
▲ 0.50% · 4.625%
HK$42,172
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,120/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,925
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,291
−HK$1,389/mo
Today · 4.125%
HK$46,680
baseline
▲ 0.50% · 4.625%
HK$49,520
+HK$2,840/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,360/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,866
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,177
−HK$1,329/mo
Today · 4.125%
HK$51,506
baseline
▲ 0.50% · 4.625%
HK$54,221
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,012/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,318 · Scale 2, in force from 26 Feb 2026)