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$24,360
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,117
−HK$770/mo
Today · 4.125%
HK$25,887
baseline
▲ 0.50% · 4.625%
HK$27,462
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,774/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,100
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,827
−HK$737/mo
Today · 4.125%
HK$28,564
baseline
▲ 0.50% · 4.625%
HK$30,069
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,128/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,231
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,141
−HK$924/mo
Today · 4.125%
HK$31,065
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,130/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,520
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,392
−HK$885/mo
Today · 4.125%
HK$34,277
baseline
▲ 0.50% · 4.625%
HK$36,083
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,554/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,103
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,164
−HK$1,078/mo
Today · 4.125%
HK$36,242
baseline
▲ 0.50% · 4.625%
HK$38,447
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,484/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,940
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,957
−HK$1,032/mo
Today · 4.125%
HK$39,989
baseline
▲ 0.50% · 4.625%
HK$42,097
+HK$2,108/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,978/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,847
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,211
−HK$1,386/mo
Today · 4.125%
HK$46,597
baseline
▲ 0.50% · 4.625%
HK$49,432
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,194/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,780
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,088
−HK$1,327/mo
Today · 4.125%
HK$51,415
baseline
▲ 0.50% · 4.625%
HK$54,125
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,830/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,606 · Scale 2, in force from 26 Feb 2026)