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$24,328
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,085
−HK$768/mo
Today · 4.125%
HK$25,853
baseline
▲ 0.50% · 4.625%
HK$27,427
+HK$1,574/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,706/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,065
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,790
−HK$737/mo
Today · 4.125%
HK$28,527
baseline
▲ 0.50% · 4.625%
HK$30,030
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,054/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,193
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,102
−HK$922/mo
Today · 4.125%
HK$31,024
baseline
▲ 0.50% · 4.625%
HK$32,912
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,048/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,477
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,348
−HK$884/mo
Today · 4.125%
HK$34,232
baseline
▲ 0.50% · 4.625%
HK$36,037
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,464/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,059
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,119
−HK$1,076/mo
Today · 4.125%
HK$36,195
baseline
▲ 0.50% · 4.625%
HK$38,397
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,390/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,890
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,907
−HK$1,030/mo
Today · 4.125%
HK$39,937
baseline
▲ 0.50% · 4.625%
HK$42,043
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,874/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,790
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,152
−HK$1,384/mo
Today · 4.125%
HK$46,536
baseline
▲ 0.50% · 4.625%
HK$49,368
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,072/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,716
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,023
−HK$1,325/mo
Today · 4.125%
HK$51,348
baseline
▲ 0.50% · 4.625%
HK$54,055
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,696/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,086 · Scale 2, in force from 26 Feb 2026)