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$24,409
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,168
−HK$771/mo
Today · 4.125%
HK$25,939
baseline
▲ 0.50% · 4.625%
HK$27,518
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,878/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,154
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$27,883
−HK$739/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,130
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,290
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,202
−HK$925/mo
Today · 4.125%
HK$31,127
baseline
▲ 0.50% · 4.625%
HK$33,021
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,254/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,585
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,459
−HK$887/mo
Today · 4.125%
HK$34,346
baseline
▲ 0.50% · 4.625%
HK$36,156
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,692/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,172
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,235
−HK$1,080/mo
Today · 4.125%
HK$36,315
baseline
▲ 0.50% · 4.625%
HK$38,525
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,630/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,016
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,036
−HK$1,034/mo
Today · 4.125%
HK$40,070
baseline
▲ 0.50% · 4.625%
HK$42,182
+HK$2,112/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,140/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,936
−HK$2,755/mo
▼ 0.25% · 3.875%
HK$45,302
−HK$1,389/mo
Today · 4.125%
HK$46,691
baseline
▲ 0.50% · 4.625%
HK$49,532
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,382/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,878
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,189
−HK$1,330/mo
Today · 4.125%
HK$51,519
baseline
▲ 0.50% · 4.625%
HK$54,234
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$103,038/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,414 · Scale 2, in force from 26 Feb 2026)