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$24,364
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,122
−HK$770/mo
Today · 4.125%
HK$25,892
baseline
▲ 0.50% · 4.625%
HK$27,467
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,784/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,105
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,832
−HK$737/mo
Today · 4.125%
HK$28,569
baseline
▲ 0.50% · 4.625%
HK$30,075
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,138/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,146
−HK$924/mo
Today · 4.125%
HK$31,070
baseline
▲ 0.50% · 4.625%
HK$32,961
+HK$1,891/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,140/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,525
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,398
−HK$885/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,090
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,109
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,170
−HK$1,078/mo
Today · 4.125%
HK$36,248
baseline
▲ 0.50% · 4.625%
HK$38,454
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,496/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,946
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,964
−HK$1,033/mo
Today · 4.125%
HK$39,997
baseline
▲ 0.50% · 4.625%
HK$42,105
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$79,994/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,855
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,219
−HK$1,386/mo
Today · 4.125%
HK$46,605
baseline
▲ 0.50% · 4.625%
HK$49,441
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,210/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,788
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,097
−HK$1,327/mo
Today · 4.125%
HK$51,424
baseline
▲ 0.50% · 4.625%
HK$54,135
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,848/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,677 · Scale 2, in force from 26 Feb 2026)