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$24,325
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,082
−HK$769/mo
Today · 4.125%
HK$25,851
baseline
▲ 0.50% · 4.625%
HK$27,424
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,702/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,062
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,788
−HK$736/mo
Today · 4.125%
HK$28,524
baseline
▲ 0.50% · 4.625%
HK$30,027
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,048/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,191
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,099
−HK$922/mo
Today · 4.125%
HK$31,021
baseline
▲ 0.50% · 4.625%
HK$32,909
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,042/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,474
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,345
−HK$884/mo
Today · 4.125%
HK$34,229
baseline
▲ 0.50% · 4.625%
HK$36,033
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,458/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,056
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,115
−HK$1,076/mo
Today · 4.125%
HK$36,191
baseline
▲ 0.50% · 4.625%
HK$38,393
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,382/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,887
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,903
−HK$1,030/mo
Today · 4.125%
HK$39,933
baseline
▲ 0.50% · 4.625%
HK$42,038
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,866/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,786
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,148
−HK$1,384/mo
Today · 4.125%
HK$46,532
baseline
▲ 0.50% · 4.625%
HK$49,363
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,064/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,711
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,018
−HK$1,325/mo
Today · 4.125%
HK$51,343
baseline
▲ 0.50% · 4.625%
HK$54,049
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,686/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,045 · Scale 2, in force from 26 Feb 2026)