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$24,328
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$769/mo
Today · 4.125%
HK$25,854
baseline
▲ 0.50% · 4.625%
HK$27,427
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,708/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,065
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,791
−HK$736/mo
Today · 4.125%
HK$28,527
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,504/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,054/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,194
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,102
−HK$923/mo
Today · 4.125%
HK$31,025
baseline
▲ 0.50% · 4.625%
HK$32,912
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,050/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,478
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,349
−HK$883/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,037
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,059
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,119
−HK$1,076/mo
Today · 4.125%
HK$36,195
baseline
▲ 0.50% · 4.625%
HK$38,398
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,390/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,891
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,907
−HK$1,031/mo
Today · 4.125%
HK$39,938
baseline
▲ 0.50% · 4.625%
HK$42,043
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,876/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,791
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,153
−HK$1,384/mo
Today · 4.125%
HK$46,537
baseline
▲ 0.50% · 4.625%
HK$49,368
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,074/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,717
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,023
−HK$1,326/mo
Today · 4.125%
HK$51,349
baseline
▲ 0.50% · 4.625%
HK$54,055
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,698/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,090 · Scale 2, in force from 26 Feb 2026)