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$24,348
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,106
−HK$769/mo
Today · 4.125%
HK$25,875
baseline
▲ 0.50% · 4.625%
HK$27,450
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,750/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,087
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,814
−HK$737/mo
Today · 4.125%
HK$28,551
baseline
▲ 0.50% · 4.625%
HK$30,056
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,102/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,218
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,127
−HK$923/mo
Today · 4.125%
HK$31,050
baseline
▲ 0.50% · 4.625%
HK$32,940
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,100/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,505
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,377
−HK$884/mo
Today · 4.125%
HK$34,261
baseline
▲ 0.50% · 4.625%
HK$36,067
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,522/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,088
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,148
−HK$1,077/mo
Today · 4.125%
HK$36,225
baseline
▲ 0.50% · 4.625%
HK$38,430
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,450/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,922
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,939
−HK$1,032/mo
Today · 4.125%
HK$39,971
baseline
▲ 0.50% · 4.625%
HK$42,078
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,942/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,827
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,190
−HK$1,385/mo
Today · 4.125%
HK$46,575
baseline
▲ 0.50% · 4.625%
HK$49,409
+HK$2,834/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,150/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,757
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,065
−HK$1,326/mo
Today · 4.125%
HK$51,391
baseline
▲ 0.50% · 4.625%
HK$54,100
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,782/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,423 · Scale 2, in force from 26 Feb 2026)