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$24,336
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,093
−HK$769/mo
Today · 4.125%
HK$25,862
baseline
▲ 0.50% · 4.625%
HK$27,436
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,724/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,073
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,800
−HK$736/mo
Today · 4.125%
HK$28,536
baseline
▲ 0.50% · 4.625%
HK$30,040
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,072/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,203
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,111
−HK$923/mo
Today · 4.125%
HK$31,034
baseline
▲ 0.50% · 4.625%
HK$32,923
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,068/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,488
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,359
−HK$884/mo
Today · 4.125%
HK$34,243
baseline
▲ 0.50% · 4.625%
HK$36,048
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,486/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,070
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,130
−HK$1,077/mo
Today · 4.125%
HK$36,207
baseline
▲ 0.50% · 4.625%
HK$38,410
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,414/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,903
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,919
−HK$1,032/mo
Today · 4.125%
HK$39,951
baseline
▲ 0.50% · 4.625%
HK$42,056
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,902/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,805
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,167
−HK$1,385/mo
Today · 4.125%
HK$46,552
baseline
▲ 0.50% · 4.625%
HK$49,384
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,104/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,732
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,039
−HK$1,326/mo
Today · 4.125%
HK$51,365
baseline
▲ 0.50% · 4.625%
HK$54,073
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,730/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,217 · Scale 2, in force from 26 Feb 2026)