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$24,373
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,132
−HK$770/mo
Today · 4.125%
HK$25,902
baseline
▲ 0.50% · 4.625%
HK$27,478
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,804/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,115
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,842
−HK$738/mo
Today · 4.125%
HK$28,580
baseline
▲ 0.50% · 4.625%
HK$30,087
+HK$1,507/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,160/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,248
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,158
−HK$924/mo
Today · 4.125%
HK$31,082
baseline
▲ 0.50% · 4.625%
HK$32,973
+HK$1,891/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,164/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,538
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,411
−HK$885/mo
Today · 4.125%
HK$34,296
baseline
▲ 0.50% · 4.625%
HK$36,104
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,592/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,123
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$1,079/mo
Today · 4.125%
HK$36,263
baseline
▲ 0.50% · 4.625%
HK$38,469
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,526/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,961
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,979
−HK$1,033/mo
Today · 4.125%
HK$40,012
baseline
▲ 0.50% · 4.625%
HK$42,121
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,024/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,872
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,237
−HK$1,386/mo
Today · 4.125%
HK$46,623
baseline
▲ 0.50% · 4.625%
HK$49,460
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,246/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,807
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,116
−HK$1,328/mo
Today · 4.125%
HK$51,444
baseline
▲ 0.50% · 4.625%
HK$54,156
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,888/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,833 · Scale 2, in force from 26 Feb 2026)