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$24,399
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,158
−HK$771/mo
Today · 4.125%
HK$25,929
baseline
▲ 0.50% · 4.625%
HK$27,507
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,858/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,144
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,872
−HK$738/mo
Today · 4.125%
HK$28,610
baseline
▲ 0.50% · 4.625%
HK$30,118
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,220/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,279
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,190
−HK$925/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$33,008
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,573
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,446
−HK$886/mo
Today · 4.125%
HK$34,332
baseline
▲ 0.50% · 4.625%
HK$36,142
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,664/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,159
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,221
−HK$1,080/mo
Today · 4.125%
HK$36,301
baseline
▲ 0.50% · 4.625%
HK$38,510
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,602/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,001
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,020
−HK$1,034/mo
Today · 4.125%
HK$40,054
baseline
▲ 0.50% · 4.625%
HK$42,166
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,108/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,918
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,285
−HK$1,388/mo
Today · 4.125%
HK$46,673
baseline
▲ 0.50% · 4.625%
HK$49,512
+HK$2,839/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,346/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,859
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,169
−HK$1,330/mo
Today · 4.125%
HK$51,499
baseline
▲ 0.50% · 4.625%
HK$54,213
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,998/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,257 · Scale 2, in force from 26 Feb 2026)