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$24,350
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$769/mo
Today · 4.125%
HK$25,877
baseline
▲ 0.50% · 4.625%
HK$27,452
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,754/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,089
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,816
−HK$737/mo
Today · 4.125%
HK$28,553
baseline
▲ 0.50% · 4.625%
HK$30,058
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,106/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,220
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,129
−HK$924/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,942
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,507
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,379
−HK$884/mo
Today · 4.125%
HK$34,263
baseline
▲ 0.50% · 4.625%
HK$36,070
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,526/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,090
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,151
−HK$1,077/mo
Today · 4.125%
HK$36,228
baseline
▲ 0.50% · 4.625%
HK$38,432
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,456/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,925
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,942
−HK$1,032/mo
Today · 4.125%
HK$39,974
baseline
▲ 0.50% · 4.625%
HK$42,081
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,948/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,830
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,194
−HK$1,385/mo
Today · 4.125%
HK$46,579
baseline
▲ 0.50% · 4.625%
HK$49,413
+HK$2,834/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,158/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,761
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,069
−HK$1,326/mo
Today · 4.125%
HK$51,395
baseline
▲ 0.50% · 4.625%
HK$54,104
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,790/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,452 · Scale 2, in force from 26 Feb 2026)