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$24,420
−HK$1,531/mo
▼ 0.25% · 3.875%
HK$25,179
−HK$772/mo
Today · 4.125%
HK$25,951
baseline
▲ 0.50% · 4.625%
HK$27,530
+HK$1,579/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,902/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,167
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$27,895
−HK$739/mo
Today · 4.125%
HK$28,634
baseline
▲ 0.50% · 4.625%
HK$30,144
+HK$1,510/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,268/mo (50% DSR)
Upfront cash ≈ HK$5.76M (deposit + AVD stamp duty HK$401,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,304
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$30,215
−HK$926/mo
Today · 4.125%
HK$31,141
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,895/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$62,282/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,600
−HK$1,761/mo
▼ 0.25% · 3.875%
HK$33,474
−HK$887/mo
Today · 4.125%
HK$34,361
baseline
▲ 0.50% · 4.625%
HK$36,173
+HK$1,812/mo
Deposit HK$4.28M · loan HK$6.43M · min. income ≈ HK$68,722/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$401,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,188
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,251
−HK$1,080/mo
Today · 4.125%
HK$36,331
baseline
▲ 0.50% · 4.625%
HK$38,542
+HK$2,211/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$72,662/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,033
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,053
−HK$1,035/mo
Today · 4.125%
HK$40,088
baseline
▲ 0.50% · 4.625%
HK$42,201
+HK$2,113/mo
Deposit HK$3.21M · loan HK$7.50M · min. income ≈ HK$80,176/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,955
−HK$2,757/mo
▼ 0.25% · 3.875%
HK$45,323
−HK$1,389/mo
Today · 4.125%
HK$46,712
baseline
▲ 0.50% · 4.625%
HK$49,554
+HK$2,842/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$93,424/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,900
−HK$2,642/mo
▼ 0.25% · 3.875%
HK$50,211
−HK$1,331/mo
Today · 4.125%
HK$51,542
baseline
▲ 0.50% · 4.625%
HK$54,259
+HK$2,717/mo
Deposit HK$1.07M · loan HK$9.64M · min. income ≈ HK$103,084/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,595 · Scale 2, in force from 26 Feb 2026)