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$24,357
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,115
−HK$770/mo
Today · 4.125%
HK$25,885
baseline
▲ 0.50% · 4.625%
HK$27,460
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,770/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,097
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,824
−HK$737/mo
Today · 4.125%
HK$28,561
baseline
▲ 0.50% · 4.625%
HK$30,067
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,122/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,229
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,138
−HK$924/mo
Today · 4.125%
HK$31,062
baseline
▲ 0.50% · 4.625%
HK$32,952
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,124/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,517
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,389
−HK$884/mo
Today · 4.125%
HK$34,273
baseline
▲ 0.50% · 4.625%
HK$36,080
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,546/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,100
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,161
−HK$1,078/mo
Today · 4.125%
HK$36,239
baseline
▲ 0.50% · 4.625%
HK$38,444
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,478/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,936
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,954
−HK$1,032/mo
Today · 4.125%
HK$39,986
baseline
▲ 0.50% · 4.625%
HK$42,093
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,972/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,843
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,207
−HK$1,385/mo
Today · 4.125%
HK$46,592
baseline
▲ 0.50% · 4.625%
HK$49,427
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,184/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,775
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,083
−HK$1,327/mo
Today · 4.125%
HK$51,410
baseline
▲ 0.50% · 4.625%
HK$54,120
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,820/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,568 · Scale 2, in force from 26 Feb 2026)