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$24,378
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,136
−HK$771/mo
Today · 4.125%
HK$25,907
baseline
▲ 0.50% · 4.625%
HK$27,483
+HK$1,576/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,814/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,120
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,847
−HK$738/mo
Today · 4.125%
HK$28,585
baseline
▲ 0.50% · 4.625%
HK$30,092
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,170/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,253
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$925/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,891/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,544
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,417
−HK$885/mo
Today · 4.125%
HK$34,302
baseline
▲ 0.50% · 4.625%
HK$36,110
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,604/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,129
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,191
−HK$1,078/mo
Today · 4.125%
HK$36,269
baseline
▲ 0.50% · 4.625%
HK$38,476
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,538/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,968
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,033/mo
Today · 4.125%
HK$40,019
baseline
▲ 0.50% · 4.625%
HK$42,129
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,038/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,880
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,245
−HK$1,387/mo
Today · 4.125%
HK$46,632
baseline
▲ 0.50% · 4.625%
HK$49,469
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,264/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,816
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,125
−HK$1,329/mo
Today · 4.125%
HK$51,454
baseline
▲ 0.50% · 4.625%
HK$54,166
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,908/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,907 · Scale 2, in force from 26 Feb 2026)