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$24,342
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,100
−HK$769/mo
Today · 4.125%
HK$25,869
baseline
▲ 0.50% · 4.625%
HK$27,443
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,738/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,081
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,807
−HK$737/mo
Today · 4.125%
HK$28,544
baseline
▲ 0.50% · 4.625%
HK$30,048
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,088/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,211
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$924/mo
Today · 4.125%
HK$31,043
baseline
▲ 0.50% · 4.625%
HK$32,931
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,086/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,497
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$884/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,058
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,079
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$1,077/mo
Today · 4.125%
HK$36,216
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,432/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,913
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,930
−HK$1,031/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,068
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,816
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,179
−HK$1,385/mo
Today · 4.125%
HK$46,564
baseline
▲ 0.50% · 4.625%
HK$49,397
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,128/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,745
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,052
−HK$1,327/mo
Today · 4.125%
HK$51,379
baseline
▲ 0.50% · 4.625%
HK$54,087
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,758/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,323 · Scale 2, in force from 26 Feb 2026)