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$24,391
−HK$1,530/mo
▼ 0.25% · 3.875%
HK$25,150
−HK$771/mo
Today · 4.125%
HK$25,921
baseline
▲ 0.50% · 4.625%
HK$27,498
+HK$1,577/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$51,842/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,135
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$27,863
−HK$738/mo
Today · 4.125%
HK$28,601
baseline
▲ 0.50% · 4.625%
HK$30,108
+HK$1,507/mo
Deposit HK$5.35M · loan HK$5.35M · min. income ≈ HK$57,202/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$401,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,269
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$925/mo
Today · 4.125%
HK$31,105
baseline
▲ 0.50% · 4.625%
HK$32,997
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$62,210/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,562
−HK$1,759/mo
▼ 0.25% · 3.875%
HK$33,435
−HK$886/mo
Today · 4.125%
HK$34,321
baseline
▲ 0.50% · 4.625%
HK$36,130
+HK$1,809/mo
Deposit HK$4.28M · loan HK$6.42M · min. income ≈ HK$68,642/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$401,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,147
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$1,079/mo
Today · 4.125%
HK$36,289
baseline
▲ 0.50% · 4.625%
HK$38,497
+HK$2,208/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$72,578/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,989
−HK$2,052/mo
▼ 0.25% · 3.875%
HK$39,008
−HK$1,033/mo
Today · 4.125%
HK$40,041
baseline
▲ 0.50% · 4.625%
HK$42,152
+HK$2,111/mo
Deposit HK$3.21M · loan HK$7.49M · min. income ≈ HK$80,082/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$401,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,904
−HK$2,753/mo
▼ 0.25% · 3.875%
HK$45,270
−HK$1,387/mo
Today · 4.125%
HK$46,657
baseline
▲ 0.50% · 4.625%
HK$49,496
+HK$2,839/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$93,314/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,843
−HK$2,638/mo
▼ 0.25% · 3.875%
HK$50,153
−HK$1,328/mo
Today · 4.125%
HK$51,481
baseline
▲ 0.50% · 4.625%
HK$54,195
+HK$2,714/mo
Deposit HK$1.07M · loan HK$9.63M · min. income ≈ HK$102,962/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$401,124 · Scale 2, in force from 26 Feb 2026)