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$24,352
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,109
−HK$770/mo
Today · 4.125%
HK$25,879
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,758/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,091
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$737/mo
Today · 4.125%
HK$28,554
baseline
▲ 0.50% · 4.625%
HK$30,060
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,108/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,222
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,131
−HK$923/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,944
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,509
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,381
−HK$884/mo
Today · 4.125%
HK$34,265
baseline
▲ 0.50% · 4.625%
HK$36,072
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,530/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,092
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,153
−HK$1,077/mo
Today · 4.125%
HK$36,230
baseline
▲ 0.50% · 4.625%
HK$38,435
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,460/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,927
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,944
−HK$1,032/mo
Today · 4.125%
HK$39,976
baseline
▲ 0.50% · 4.625%
HK$42,083
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,952/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,833
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,196
−HK$1,385/mo
Today · 4.125%
HK$46,581
baseline
▲ 0.50% · 4.625%
HK$49,416
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,162/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,763
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,071
−HK$1,327/mo
Today · 4.125%
HK$51,398
baseline
▲ 0.50% · 4.625%
HK$54,107
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,796/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,474 · Scale 2, in force from 26 Feb 2026)