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$24,361
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,119
−HK$770/mo
Today · 4.125%
HK$25,889
baseline
▲ 0.50% · 4.625%
HK$27,464
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,778/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,102
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,828
−HK$738/mo
Today · 4.125%
HK$28,566
baseline
▲ 0.50% · 4.625%
HK$30,072
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,132/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,233
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,143
−HK$924/mo
Today · 4.125%
HK$31,067
baseline
▲ 0.50% · 4.625%
HK$32,957
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,134/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,522
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,394
−HK$885/mo
Today · 4.125%
HK$34,279
baseline
▲ 0.50% · 4.625%
HK$36,086
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,558/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,106
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,167
−HK$1,077/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,450
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,488/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,942
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,960
−HK$1,032/mo
Today · 4.125%
HK$39,992
baseline
▲ 0.50% · 4.625%
HK$42,100
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$79,984/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,850
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,214
−HK$1,386/mo
Today · 4.125%
HK$46,600
baseline
▲ 0.50% · 4.625%
HK$49,435
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,200/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,783
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,091
−HK$1,327/mo
Today · 4.125%
HK$51,418
baseline
▲ 0.50% · 4.625%
HK$54,129
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,836/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,633 · Scale 2, in force from 26 Feb 2026)