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$24,342
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,099
−HK$769/mo
Today · 4.125%
HK$25,868
baseline
▲ 0.50% · 4.625%
HK$27,442
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,736/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,080
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$737/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,047
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,086/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,210
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$923/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,931
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,496
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,367
−HK$885/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,057
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,078
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,138
−HK$1,077/mo
Today · 4.125%
HK$36,215
baseline
▲ 0.50% · 4.625%
HK$38,419
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,430/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,912
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,929
−HK$1,031/mo
Today · 4.125%
HK$39,960
baseline
▲ 0.50% · 4.625%
HK$42,066
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,920/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,815
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,178
−HK$1,385/mo
Today · 4.125%
HK$46,563
baseline
▲ 0.50% · 4.625%
HK$49,396
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,126/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,744
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,051
−HK$1,326/mo
Today · 4.125%
HK$51,377
baseline
▲ 0.50% · 4.625%
HK$54,085
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,754/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,313 · Scale 2, in force from 26 Feb 2026)