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$24,376
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,134
−HK$770/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,480
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,118
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,845
−HK$738/mo
Today · 4.125%
HK$28,583
baseline
▲ 0.50% · 4.625%
HK$30,089
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,166/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,251
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,161
−HK$924/mo
Today · 4.125%
HK$31,085
baseline
▲ 0.50% · 4.625%
HK$32,976
+HK$1,891/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,170/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,541
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,414
−HK$885/mo
Today · 4.125%
HK$34,299
baseline
▲ 0.50% · 4.625%
HK$36,107
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,598/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,126
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,187
−HK$1,079/mo
Today · 4.125%
HK$36,266
baseline
▲ 0.50% · 4.625%
HK$38,473
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,532/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,965
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,983
−HK$1,033/mo
Today · 4.125%
HK$40,016
baseline
▲ 0.50% · 4.625%
HK$42,125
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,032/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,876
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,241
−HK$1,387/mo
Today · 4.125%
HK$46,628
baseline
▲ 0.50% · 4.625%
HK$49,465
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,256/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,812
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,121
−HK$1,328/mo
Today · 4.125%
HK$51,449
baseline
▲ 0.50% · 4.625%
HK$54,161
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,898/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,870 · Scale 2, in force from 26 Feb 2026)