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$24,365
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,123
−HK$770/mo
Today · 4.125%
HK$25,893
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,786/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,106
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$738/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,238
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,148
−HK$924/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,963
+HK$1,891/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,527
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$885/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,092
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$1,078/mo
Today · 4.125%
HK$36,251
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$2,205/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,502/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,966
−HK$1,033/mo
Today · 4.125%
HK$39,999
baseline
▲ 0.50% · 4.625%
HK$42,107
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$79,998/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,858
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,222
−HK$1,386/mo
Today · 4.125%
HK$46,608
baseline
▲ 0.50% · 4.625%
HK$49,444
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,216/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,791
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,100
−HK$1,327/mo
Today · 4.125%
HK$51,427
baseline
▲ 0.50% · 4.625%
HK$54,138
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,854/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,702 · Scale 2, in force from 26 Feb 2026)