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$24,417
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,177
−HK$771/mo
Today · 4.125%
HK$25,948
baseline
▲ 0.50% · 4.625%
HK$27,527
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,896/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,164
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$739/mo
Today · 4.125%
HK$28,631
baseline
▲ 0.50% · 4.625%
HK$30,140
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,262/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,300
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,212
−HK$926/mo
Today · 4.125%
HK$31,138
baseline
▲ 0.50% · 4.625%
HK$33,032
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,276/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,596
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,471
−HK$886/mo
Today · 4.125%
HK$34,357
baseline
▲ 0.50% · 4.625%
HK$36,169
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,714/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,184
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,247
−HK$1,080/mo
Today · 4.125%
HK$36,327
baseline
▲ 0.50% · 4.625%
HK$38,538
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,654/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,029
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,049
−HK$1,035/mo
Today · 4.125%
HK$40,084
baseline
▲ 0.50% · 4.625%
HK$42,197
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,168/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,951
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,318
−HK$1,389/mo
Today · 4.125%
HK$46,707
baseline
▲ 0.50% · 4.625%
HK$49,549
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,414/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,895
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,206
−HK$1,330/mo
Today · 4.125%
HK$51,536
baseline
▲ 0.50% · 4.625%
HK$54,253
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,072/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,551 · Scale 2, in force from 26 Feb 2026)