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$1,528/mo
▼ 0.25% · 3.875%
HK$25,131
−HK$770/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,827 · 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$30,086
+HK$1,506/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$400,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,248
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,157
−HK$925/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$400,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,538
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,410
−HK$886/mo
Today · 4.125%
HK$34,296
baseline
▲ 0.50% · 4.625%
HK$36,103
+HK$1,807/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$400,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,122
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,184
−HK$1,078/mo
Today · 4.125%
HK$36,262
baseline
▲ 0.50% · 4.625%
HK$38,468
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,524/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,827 · 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$400,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,871
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,236
−HK$1,387/mo
Today · 4.125%
HK$46,623
baseline
▲ 0.50% · 4.625%
HK$49,459
+HK$2,836/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$400,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,807
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,116
−HK$1,327/mo
Today · 4.125%
HK$51,443
baseline
▲ 0.50% · 4.625%
HK$54,155
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,886/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,827 · Scale 2, in force from 26 Feb 2026)