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$24,367
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,125
−HK$770/mo
Today · 4.125%
HK$25,895
baseline
▲ 0.50% · 4.625%
HK$27,471
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,790/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,108
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,835
−HK$738/mo
Today · 4.125%
HK$28,573
baseline
▲ 0.50% · 4.625%
HK$30,079
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,146/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,240
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,150
−HK$924/mo
Today · 4.125%
HK$31,074
baseline
▲ 0.50% · 4.625%
HK$32,965
+HK$1,891/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,148/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,530
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,402
−HK$885/mo
Today · 4.125%
HK$34,287
baseline
▲ 0.50% · 4.625%
HK$36,094
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,574/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,114
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,175
−HK$1,078/mo
Today · 4.125%
HK$36,253
baseline
▲ 0.50% · 4.625%
HK$38,459
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,506/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,951
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,969
−HK$1,033/mo
Today · 4.125%
HK$40,002
baseline
▲ 0.50% · 4.625%
HK$42,110
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,004/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,861
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,225
−HK$1,386/mo
Today · 4.125%
HK$46,611
baseline
▲ 0.50% · 4.625%
HK$49,447
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,222/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,794
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,103
−HK$1,328/mo
Today · 4.125%
HK$51,431
baseline
▲ 0.50% · 4.625%
HK$54,142
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,862/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,728 · Scale 2, in force from 26 Feb 2026)