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$24,398
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,157
−HK$771/mo
Today · 4.125%
HK$25,928
baseline
▲ 0.50% · 4.625%
HK$27,506
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,856/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,143
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,871
−HK$738/mo
Today · 4.125%
HK$28,609
baseline
▲ 0.50% · 4.625%
HK$30,117
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,218/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,278
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,188
−HK$926/mo
Today · 4.125%
HK$31,114
baseline
▲ 0.50% · 4.625%
HK$33,007
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,228/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,571
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,445
−HK$886/mo
Today · 4.125%
HK$34,331
baseline
▲ 0.50% · 4.625%
HK$36,140
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,662/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,157
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,220
−HK$1,079/mo
Today · 4.125%
HK$36,299
baseline
▲ 0.50% · 4.625%
HK$38,508
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,598/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,000
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,019
−HK$1,034/mo
Today · 4.125%
HK$40,053
baseline
▲ 0.50% · 4.625%
HK$42,164
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,106/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,917
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,283
−HK$1,387/mo
Today · 4.125%
HK$46,670
baseline
▲ 0.50% · 4.625%
HK$49,510
+HK$2,840/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,340/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,857
−HK$2,639/mo
▼ 0.25% · 3.875%
HK$50,167
−HK$1,329/mo
Today · 4.125%
HK$51,496
baseline
▲ 0.50% · 4.625%
HK$54,211
+HK$2,715/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,992/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,239 · Scale 2, in force from 26 Feb 2026)