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$24,341
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,098
−HK$770/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$400,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,079
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,806
−HK$736/mo
Today · 4.125%
HK$28,542
baseline
▲ 0.50% · 4.625%
HK$30,047
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,084/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,209
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,118
−HK$923/mo
Today · 4.125%
HK$31,041
baseline
▲ 0.50% · 4.625%
HK$32,930
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,082/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,495
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,367
−HK$884/mo
Today · 4.125%
HK$34,251
baseline
▲ 0.50% · 4.625%
HK$36,056
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,502/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,305 · 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$38,418
+HK$2,203/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$400,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,911
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,928
−HK$1,031/mo
Today · 4.125%
HK$39,959
baseline
▲ 0.50% · 4.625%
HK$42,066
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,918/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,814
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,177
−HK$1,385/mo
Today · 4.125%
HK$46,562
baseline
▲ 0.50% · 4.625%
HK$49,395
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,124/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,743
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,326/mo
Today · 4.125%
HK$51,376
baseline
▲ 0.50% · 4.625%
HK$54,084
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,752/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,305 · Scale 2, in force from 26 Feb 2026)