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$24,415
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,175
−HK$771/mo
Today · 4.125%
HK$25,946
baseline
▲ 0.50% · 4.625%
HK$27,525
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,892/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,162
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,890
−HK$739/mo
Today · 4.125%
HK$28,629
baseline
▲ 0.50% · 4.625%
HK$30,138
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,258/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,298
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$30,210
−HK$926/mo
Today · 4.125%
HK$31,136
baseline
▲ 0.50% · 4.625%
HK$33,030
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,272/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,594
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,468
−HK$887/mo
Today · 4.125%
HK$34,355
baseline
▲ 0.50% · 4.625%
HK$36,166
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,710/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,181
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$1,080/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,535
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,026
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,046
−HK$1,035/mo
Today · 4.125%
HK$40,081
baseline
▲ 0.50% · 4.625%
HK$42,194
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,162/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,947
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,314
−HK$1,389/mo
Today · 4.125%
HK$46,703
baseline
▲ 0.50% · 4.625%
HK$49,545
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,406/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,891
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,202
−HK$1,330/mo
Today · 4.125%
HK$51,532
baseline
▲ 0.50% · 4.625%
HK$54,249
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,064/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,521 · Scale 2, in force from 26 Feb 2026)