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$24,338
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,095
−HK$769/mo
Today · 4.125%
HK$25,864
baseline
▲ 0.50% · 4.625%
HK$27,438
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,728/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,076
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,802
−HK$736/mo
Today · 4.125%
HK$28,538
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,076/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,205
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,114
−HK$923/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,925
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,491
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,362
−HK$884/mo
Today · 4.125%
HK$34,246
baseline
▲ 0.50% · 4.625%
HK$36,051
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,492/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,073
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,133
−HK$1,077/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,413
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,906
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,923
−HK$1,031/mo
Today · 4.125%
HK$39,954
baseline
▲ 0.50% · 4.625%
HK$42,060
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,908/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,808
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,171
−HK$1,384/mo
Today · 4.125%
HK$46,555
baseline
▲ 0.50% · 4.625%
HK$49,388
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,110/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,736
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,043
−HK$1,326/mo
Today · 4.125%
HK$51,369
baseline
▲ 0.50% · 4.625%
HK$54,077
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,738/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,250 · Scale 2, in force from 26 Feb 2026)