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$24,329
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$768/mo
Today · 4.125%
HK$25,854
baseline
▲ 0.50% · 4.625%
HK$27,428
+HK$1,574/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,708/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,066
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,791
−HK$737/mo
Today · 4.125%
HK$28,528
baseline
▲ 0.50% · 4.625%
HK$30,032
+HK$1,504/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,056/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,195
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,103
−HK$922/mo
Today · 4.125%
HK$31,025
baseline
▲ 0.50% · 4.625%
HK$32,913
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,050/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,479
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,350
−HK$883/mo
Today · 4.125%
HK$34,233
baseline
▲ 0.50% · 4.625%
HK$36,038
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,466/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,060
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,120
−HK$1,076/mo
Today · 4.125%
HK$36,196
baseline
▲ 0.50% · 4.625%
HK$38,399
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,392/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,892
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,908
−HK$1,031/mo
Today · 4.125%
HK$39,939
baseline
▲ 0.50% · 4.625%
HK$42,044
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,878/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,792
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,154
−HK$1,384/mo
Today · 4.125%
HK$46,538
baseline
▲ 0.50% · 4.625%
HK$49,370
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,076/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,718
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,025
−HK$1,325/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,057
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,100 · Scale 2, in force from 26 Feb 2026)