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$24,353
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$769/mo
Today · 4.125%
HK$25,880
baseline
▲ 0.50% · 4.625%
HK$27,455
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,760/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,093
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$737/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,062
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,112/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,224
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$923/mo
Today · 4.125%
HK$31,056
baseline
▲ 0.50% · 4.625%
HK$32,946
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,112/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,511
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,383
−HK$885/mo
Today · 4.125%
HK$34,268
baseline
▲ 0.50% · 4.625%
HK$36,074
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,536/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,155
−HK$1,077/mo
Today · 4.125%
HK$36,232
baseline
▲ 0.50% · 4.625%
HK$38,437
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,464/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,930
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,947
−HK$1,032/mo
Today · 4.125%
HK$39,979
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,958/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,836
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,199
−HK$1,386/mo
Today · 4.125%
HK$46,585
baseline
▲ 0.50% · 4.625%
HK$49,419
+HK$2,834/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,170/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,767
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,075
−HK$1,326/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,111
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,500 · Scale 2, in force from 26 Feb 2026)