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$24,372
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,130
−HK$770/mo
Today · 4.125%
HK$25,900
baseline
▲ 0.50% · 4.625%
HK$27,476
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,800/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,113
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$738/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,246
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$924/mo
Today · 4.125%
HK$31,080
baseline
▲ 0.50% · 4.625%
HK$32,971
+HK$1,891/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,160/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,536
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,408
−HK$886/mo
Today · 4.125%
HK$34,294
baseline
▲ 0.50% · 4.625%
HK$36,101
+HK$1,807/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,588/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,120
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,182
−HK$1,078/mo
Today · 4.125%
HK$36,260
baseline
▲ 0.50% · 4.625%
HK$38,466
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,520/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,959
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,977
−HK$1,032/mo
Today · 4.125%
HK$40,009
baseline
▲ 0.50% · 4.625%
HK$42,118
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,018/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,869
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,234
−HK$1,386/mo
Today · 4.125%
HK$46,620
baseline
▲ 0.50% · 4.625%
HK$49,457
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,240/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,804
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,113
−HK$1,328/mo
Today · 4.125%
HK$51,441
baseline
▲ 0.50% · 4.625%
HK$54,152
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,882/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,805 · Scale 2, in force from 26 Feb 2026)