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$24,340
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,097
−HK$769/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,440
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,078
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,804
−HK$736/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,045
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,208
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$923/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,928
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,493
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,364
−HK$885/mo
Today · 4.125%
HK$34,249
baseline
▲ 0.50% · 4.625%
HK$36,054
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,498/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,075
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,135
−HK$1,077/mo
Today · 4.125%
HK$36,212
baseline
▲ 0.50% · 4.625%
HK$38,416
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,424/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,909
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,925
−HK$1,032/mo
Today · 4.125%
HK$39,957
baseline
▲ 0.50% · 4.625%
HK$42,063
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,914/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,811
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,174
−HK$1,385/mo
Today · 4.125%
HK$46,559
baseline
▲ 0.50% · 4.625%
HK$49,392
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,118/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,278 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,740
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,047
−HK$1,326/mo
Today · 4.125%
HK$51,373
baseline
▲ 0.50% · 4.625%
HK$54,081
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,746/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,278 · Scale 2, in force from 26 Feb 2026)