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$24,323
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$768/mo
Today · 4.125%
HK$25,848
baseline
▲ 0.50% · 4.625%
HK$27,421
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,696/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,059
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,785
−HK$736/mo
Today · 4.125%
HK$28,521
baseline
▲ 0.50% · 4.625%
HK$30,024
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,042/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,188
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$923/mo
Today · 4.125%
HK$31,018
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,036/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,471
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,342
−HK$883/mo
Today · 4.125%
HK$34,225
baseline
▲ 0.50% · 4.625%
HK$36,029
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,450/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,052
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,111
−HK$1,076/mo
Today · 4.125%
HK$36,187
baseline
▲ 0.50% · 4.625%
HK$38,389
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,374/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,883
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,899
−HK$1,030/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,034
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,781
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,143
−HK$1,384/mo
Today · 4.125%
HK$46,527
baseline
▲ 0.50% · 4.625%
HK$49,358
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,054/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,706
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,013
−HK$1,325/mo
Today · 4.125%
HK$51,338
baseline
▲ 0.50% · 4.625%
HK$54,044
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,676/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,004 · Scale 2, in force from 26 Feb 2026)