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$24,356
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,113
−HK$770/mo
Today · 4.125%
HK$25,883
baseline
▲ 0.50% · 4.625%
HK$27,458
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,766/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,096
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,822
−HK$738/mo
Today · 4.125%
HK$28,560
baseline
▲ 0.50% · 4.625%
HK$30,065
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,120/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,227
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,136
−HK$924/mo
Today · 4.125%
HK$31,060
baseline
▲ 0.50% · 4.625%
HK$32,950
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,120/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,515
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,387
−HK$884/mo
Today · 4.125%
HK$34,271
baseline
▲ 0.50% · 4.625%
HK$36,078
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,542/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,098
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$1,077/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,441
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,934
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,032/mo
Today · 4.125%
HK$39,983
baseline
▲ 0.50% · 4.625%
HK$42,091
+HK$2,108/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,966/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,841
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,204
−HK$1,386/mo
Today · 4.125%
HK$46,590
baseline
▲ 0.50% · 4.625%
HK$49,425
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,180/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,772
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,080
−HK$1,327/mo
Today · 4.125%
HK$51,407
baseline
▲ 0.50% · 4.625%
HK$54,117
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,814/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,545 · Scale 2, in force from 26 Feb 2026)