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$24,347
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$769/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,086
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,813
−HK$737/mo
Today · 4.125%
HK$28,550
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,100/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,217
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,126
−HK$923/mo
Today · 4.125%
HK$31,049
baseline
▲ 0.50% · 4.625%
HK$32,938
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,098/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,504
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,375
−HK$885/mo
Today · 4.125%
HK$34,260
baseline
▲ 0.50% · 4.625%
HK$36,066
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,520/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,086
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,147
−HK$1,077/mo
Today · 4.125%
HK$36,224
baseline
▲ 0.50% · 4.625%
HK$38,428
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,448/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,921
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,938
−HK$1,032/mo
Today · 4.125%
HK$39,970
baseline
▲ 0.50% · 4.625%
HK$42,076
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,940/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,825
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,189
−HK$1,385/mo
Today · 4.125%
HK$46,574
baseline
▲ 0.50% · 4.625%
HK$49,408
+HK$2,834/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,148/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,755
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,063
−HK$1,326/mo
Today · 4.125%
HK$51,389
baseline
▲ 0.50% · 4.625%
HK$54,098
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,778/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,407 · Scale 2, in force from 26 Feb 2026)