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$24,413
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,172
−HK$772/mo
Today · 4.125%
HK$25,944
baseline
▲ 0.50% · 4.625%
HK$27,522
+HK$1,578/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,888/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,159
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,888
−HK$738/mo
Today · 4.125%
HK$28,626
baseline
▲ 0.50% · 4.625%
HK$30,135
+HK$1,509/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,252/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,296
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,207
−HK$926/mo
Today · 4.125%
HK$31,133
baseline
▲ 0.50% · 4.625%
HK$33,027
+HK$1,894/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,266/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,591
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,465
−HK$887/mo
Today · 4.125%
HK$34,352
baseline
▲ 0.50% · 4.625%
HK$36,163
+HK$1,811/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,704/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,178
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,241
−HK$1,080/mo
Today · 4.125%
HK$36,321
baseline
▲ 0.50% · 4.625%
HK$38,531
+HK$2,210/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,642/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,023
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,043
−HK$1,034/mo
Today · 4.125%
HK$40,077
baseline
▲ 0.50% · 4.625%
HK$42,190
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,154/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,943
−HK$2,756/mo
▼ 0.25% · 3.875%
HK$45,310
−HK$1,389/mo
Today · 4.125%
HK$46,699
baseline
▲ 0.50% · 4.625%
HK$49,540
+HK$2,841/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,398/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,887
−HK$2,641/mo
▼ 0.25% · 3.875%
HK$50,198
−HK$1,330/mo
Today · 4.125%
HK$51,528
baseline
▲ 0.50% · 4.625%
HK$54,244
+HK$2,716/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,056/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,484 · Scale 2, in force from 26 Feb 2026)