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$24,368
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,126
−HK$770/mo
Today · 4.125%
HK$25,896
baseline
▲ 0.50% · 4.625%
HK$27,471
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,792/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,109
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,836
−HK$737/mo
Today · 4.125%
HK$28,573
baseline
▲ 0.50% · 4.625%
HK$30,080
+HK$1,507/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,146/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,241
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,151
−HK$924/mo
Today · 4.125%
HK$31,075
baseline
▲ 0.50% · 4.625%
HK$32,966
+HK$1,891/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,150/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,531
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,403
−HK$885/mo
Today · 4.125%
HK$34,288
baseline
▲ 0.50% · 4.625%
HK$36,095
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,576/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,176
−HK$1,078/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,460
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,952
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,970
−HK$1,033/mo
Today · 4.125%
HK$40,003
baseline
▲ 0.50% · 4.625%
HK$42,111
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,006/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,862
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,226
−HK$1,386/mo
Today · 4.125%
HK$46,612
baseline
▲ 0.50% · 4.625%
HK$49,449
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,224/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,796
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,104
−HK$1,328/mo
Today · 4.125%
HK$51,432
baseline
▲ 0.50% · 4.625%
HK$54,143
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,864/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,739 · Scale 2, in force from 26 Feb 2026)