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$24,370
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,128
−HK$770/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,474
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,111
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$738/mo
Today · 4.125%
HK$28,576
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,152/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,244
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,153
−HK$924/mo
Today · 4.125%
HK$31,077
baseline
▲ 0.50% · 4.625%
HK$32,968
+HK$1,891/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,154/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,533
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,406
−HK$885/mo
Today · 4.125%
HK$34,291
baseline
▲ 0.50% · 4.625%
HK$36,098
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,582/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,118
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,179
−HK$1,078/mo
Today · 4.125%
HK$36,257
baseline
▲ 0.50% · 4.625%
HK$38,463
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,514/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,955
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,973
−HK$1,033/mo
Today · 4.125%
HK$40,006
baseline
▲ 0.50% · 4.625%
HK$42,115
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,012/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,865
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,230
−HK$1,386/mo
Today · 4.125%
HK$46,616
baseline
▲ 0.50% · 4.625%
HK$49,453
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,232/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,800
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,109
−HK$1,327/mo
Today · 4.125%
HK$51,436
baseline
▲ 0.50% · 4.625%
HK$54,148
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,872/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,773 · Scale 2, in force from 26 Feb 2026)