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$24,326
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,083
−HK$769/mo
Today · 4.125%
HK$25,852
baseline
▲ 0.50% · 4.625%
HK$27,425
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,704/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,063
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,789
−HK$736/mo
Today · 4.125%
HK$28,525
baseline
▲ 0.50% · 4.625%
HK$30,028
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,050/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,192
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$922/mo
Today · 4.125%
HK$31,022
baseline
▲ 0.50% · 4.625%
HK$32,910
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,044/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,475
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,346
−HK$884/mo
Today · 4.125%
HK$34,230
baseline
▲ 0.50% · 4.625%
HK$36,034
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,460/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,057
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,116
−HK$1,076/mo
Today · 4.125%
HK$36,192
baseline
▲ 0.50% · 4.625%
HK$38,395
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,384/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,888
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,904
−HK$1,031/mo
Today · 4.125%
HK$39,935
baseline
▲ 0.50% · 4.625%
HK$42,040
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,870/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,787
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,149
−HK$1,384/mo
Today · 4.125%
HK$46,533
baseline
▲ 0.50% · 4.625%
HK$49,365
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,066/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,713
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,019
−HK$1,326/mo
Today · 4.125%
HK$51,345
baseline
▲ 0.50% · 4.625%
HK$54,051
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,690/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,059 · Scale 2, in force from 26 Feb 2026)