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$24,397
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,156
−HK$771/mo
Today · 4.125%
HK$25,927
baseline
▲ 0.50% · 4.625%
HK$27,505
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,854/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,142
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,870
−HK$738/mo
Today · 4.125%
HK$28,608
baseline
▲ 0.50% · 4.625%
HK$30,116
+HK$1,508/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,216/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,277
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,188
−HK$925/mo
Today · 4.125%
HK$31,113
baseline
▲ 0.50% · 4.625%
HK$33,006
+HK$1,893/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,226/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,570
−HK$1,760/mo
▼ 0.25% · 3.875%
HK$33,444
−HK$886/mo
Today · 4.125%
HK$34,330
baseline
▲ 0.50% · 4.625%
HK$36,140
+HK$1,810/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,660/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,156
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,219
−HK$1,079/mo
Today · 4.125%
HK$36,298
baseline
▲ 0.50% · 4.625%
HK$38,507
+HK$2,209/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,596/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,999
−HK$2,053/mo
▼ 0.25% · 3.875%
HK$39,018
−HK$1,034/mo
Today · 4.125%
HK$40,052
baseline
▲ 0.50% · 4.625%
HK$42,163
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,104/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,915
−HK$2,754/mo
▼ 0.25% · 3.875%
HK$45,281
−HK$1,388/mo
Today · 4.125%
HK$46,669
baseline
▲ 0.50% · 4.625%
HK$49,509
+HK$2,840/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,338/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,855
−HK$2,640/mo
▼ 0.25% · 3.875%
HK$50,166
−HK$1,329/mo
Today · 4.125%
HK$51,495
baseline
▲ 0.50% · 4.625%
HK$54,209
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,990/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,229 · Scale 2, in force from 26 Feb 2026)