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$1,527/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$769/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,438
+HK$1,573/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,076
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,802
−HK$737/mo
Today · 4.125%
HK$28,539
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,078/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,206
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,115
−HK$923/mo
Today · 4.125%
HK$31,038
baseline
▲ 0.50% · 4.625%
HK$32,926
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,076/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,492
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,363
−HK$884/mo
Today · 4.125%
HK$34,247
baseline
▲ 0.50% · 4.625%
HK$36,052
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,494/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,074
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,134
−HK$1,077/mo
Today · 4.125%
HK$36,211
baseline
▲ 0.50% · 4.625%
HK$38,414
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,422/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,907
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,923
−HK$1,032/mo
Today · 4.125%
HK$39,955
baseline
▲ 0.50% · 4.625%
HK$42,061
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,910/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,809
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,172
−HK$1,384/mo
Today · 4.125%
HK$46,556
baseline
▲ 0.50% · 4.625%
HK$49,389
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,112/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,737
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,044
−HK$1,326/mo
Today · 4.125%
HK$51,370
baseline
▲ 0.50% · 4.625%
HK$54,078
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,740/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,259 · Scale 2, in force from 26 Feb 2026)