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$24,377
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,136
−HK$770/mo
Today · 4.125%
HK$25,906
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,576/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,812/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,119
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,847
−HK$738/mo
Today · 4.125%
HK$28,585
baseline
▲ 0.50% · 4.625%
HK$30,091
+HK$1,506/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$400,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,253
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,163
−HK$924/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,979
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,543
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,416
−HK$886/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$400,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,128
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,190
−HK$1,078/mo
Today · 4.125%
HK$36,268
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,536/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,967
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,986
−HK$1,032/mo
Today · 4.125%
HK$40,018
baseline
▲ 0.50% · 4.625%
HK$42,128
+HK$2,110/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,036/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,879
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,244
−HK$1,387/mo
Today · 4.125%
HK$46,631
baseline
▲ 0.50% · 4.625%
HK$49,468
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,262/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,815
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,124
−HK$1,328/mo
Today · 4.125%
HK$51,452
baseline
▲ 0.50% · 4.625%
HK$54,164
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,904/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,897 · Scale 2, in force from 26 Feb 2026)