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$24,404
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,163
−HK$772/mo
Today · 4.125%
HK$25,935
baseline
▲ 0.50% · 4.625%
HK$27,513
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,870/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,149
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,878
−HK$738/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,125
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,285
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,196
−HK$926/mo
Today · 4.125%
HK$31,122
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,244/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,579
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,453
−HK$887/mo
Today · 4.125%
HK$34,340
baseline
▲ 0.50% · 4.625%
HK$36,150
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,680/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,166
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$1,079/mo
Today · 4.125%
HK$36,308
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,616/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,009
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,029
−HK$1,034/mo
Today · 4.125%
HK$40,063
baseline
▲ 0.50% · 4.625%
HK$42,175
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,126/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,928
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,294
−HK$1,388/mo
Today · 4.125%
HK$46,682
baseline
▲ 0.50% · 4.625%
HK$49,523
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,364/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,869
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,180
−HK$1,329/mo
Today · 4.125%
HK$51,509
baseline
▲ 0.50% · 4.625%
HK$54,224
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,018/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,341 · Scale 2, in force from 26 Feb 2026)