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$24,337
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,094
−HK$769/mo
Today · 4.125%
HK$25,863
baseline
▲ 0.50% · 4.625%
HK$27,436
+HK$1,573/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,726/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,074
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,800
−HK$737/mo
Today · 4.125%
HK$28,537
baseline
▲ 0.50% · 4.625%
HK$30,041
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,074/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,204
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,112
−HK$923/mo
Today · 4.125%
HK$31,035
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,070/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,489
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,360
−HK$884/mo
Today · 4.125%
HK$34,244
baseline
▲ 0.50% · 4.625%
HK$36,049
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,488/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,071
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,131
−HK$1,077/mo
Today · 4.125%
HK$36,208
baseline
▲ 0.50% · 4.625%
HK$38,411
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,416/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,904
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,920
−HK$1,032/mo
Today · 4.125%
HK$39,952
baseline
▲ 0.50% · 4.625%
HK$42,058
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,904/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,806
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,168
−HK$1,385/mo
Today · 4.125%
HK$46,553
baseline
▲ 0.50% · 4.625%
HK$49,385
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,106/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,734
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,041
−HK$1,325/mo
Today · 4.125%
HK$51,366
baseline
▲ 0.50% · 4.625%
HK$54,074
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,732/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,228 · Scale 2, in force from 26 Feb 2026)