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$24,331
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,088
−HK$769/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,430
+HK$1,573/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,068
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,794
−HK$736/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,034
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,197
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,105
−HK$923/mo
Today · 4.125%
HK$31,028
baseline
▲ 0.50% · 4.625%
HK$32,916
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,056/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,481
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,353
−HK$883/mo
Today · 4.125%
HK$34,236
baseline
▲ 0.50% · 4.625%
HK$36,041
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,472/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,063
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,123
−HK$1,076/mo
Today · 4.125%
HK$36,199
baseline
▲ 0.50% · 4.625%
HK$38,402
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,398/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,895
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,031/mo
Today · 4.125%
HK$39,942
baseline
▲ 0.50% · 4.625%
HK$42,048
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,884/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,796
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,158
−HK$1,384/mo
Today · 4.125%
HK$46,542
baseline
▲ 0.50% · 4.625%
HK$49,374
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,084/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,722
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,029
−HK$1,325/mo
Today · 4.125%
HK$51,354
baseline
▲ 0.50% · 4.625%
HK$54,061
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,708/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,135 · Scale 2, in force from 26 Feb 2026)