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$24,349
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,107
−HK$769/mo
Today · 4.125%
HK$25,876
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,752/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,088
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,815
−HK$737/mo
Today · 4.125%
HK$28,552
baseline
▲ 0.50% · 4.625%
HK$30,057
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,104/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,219
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,128
−HK$923/mo
Today · 4.125%
HK$31,051
baseline
▲ 0.50% · 4.625%
HK$32,941
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,102/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,506
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,378
−HK$884/mo
Today · 4.125%
HK$34,262
baseline
▲ 0.50% · 4.625%
HK$36,068
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,524/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,089
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,149
−HK$1,078/mo
Today · 4.125%
HK$36,227
baseline
▲ 0.50% · 4.625%
HK$38,431
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,454/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,924
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,941
−HK$1,031/mo
Today · 4.125%
HK$39,972
baseline
▲ 0.50% · 4.625%
HK$42,079
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,944/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,829
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,192
−HK$1,385/mo
Today · 4.125%
HK$46,577
baseline
▲ 0.50% · 4.625%
HK$49,411
+HK$2,834/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,154/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,759
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,066
−HK$1,327/mo
Today · 4.125%
HK$51,393
baseline
▲ 0.50% · 4.625%
HK$54,102
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,786/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,436 · Scale 2, in force from 26 Feb 2026)