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$24,366
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,124
−HK$770/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,107
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,834
−HK$738/mo
Today · 4.125%
HK$28,572
baseline
▲ 0.50% · 4.625%
HK$30,078
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,144/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,149
−HK$924/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,964
+HK$1,891/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,529
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,401
−HK$885/mo
Today · 4.125%
HK$34,286
baseline
▲ 0.50% · 4.625%
HK$36,094
+HK$1,808/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,572/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,113
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,174
−HK$1,078/mo
Today · 4.125%
HK$36,252
baseline
▲ 0.50% · 4.625%
HK$38,458
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,504/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,950
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,968
−HK$1,033/mo
Today · 4.125%
HK$40,001
baseline
▲ 0.50% · 4.625%
HK$42,109
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,002/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,860
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,224
−HK$1,386/mo
Today · 4.125%
HK$46,610
baseline
▲ 0.50% · 4.625%
HK$49,446
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,220/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,793
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,102
−HK$1,328/mo
Today · 4.125%
HK$51,430
baseline
▲ 0.50% · 4.625%
HK$54,141
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,860/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,720 · Scale 2, in force from 26 Feb 2026)