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$24,386
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,144
−HK$771/mo
Today · 4.125%
HK$25,915
baseline
▲ 0.50% · 4.625%
HK$27,492
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,830/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,129
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,856
−HK$739/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,263
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,173
−HK$925/mo
Today · 4.125%
HK$31,098
baseline
▲ 0.50% · 4.625%
HK$32,990
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,196/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,555
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,428
−HK$885/mo
Today · 4.125%
HK$34,313
baseline
▲ 0.50% · 4.625%
HK$36,122
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,626/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,140
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$35,202
−HK$1,079/mo
Today · 4.125%
HK$36,281
baseline
▲ 0.50% · 4.625%
HK$38,489
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,562/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,980
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$38,999
−HK$1,033/mo
Today · 4.125%
HK$40,032
baseline
▲ 0.50% · 4.625%
HK$42,143
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,064/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,894
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,260
−HK$1,387/mo
Today · 4.125%
HK$46,647
baseline
▲ 0.50% · 4.625%
HK$49,485
+HK$2,838/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,294/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,832
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,142
−HK$1,328/mo
Today · 4.125%
HK$51,470
baseline
▲ 0.50% · 4.625%
HK$54,183
+HK$2,713/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,940/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,037 · Scale 2, in force from 26 Feb 2026)