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$24,372
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,130
−HK$771/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,114
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,841
−HK$738/mo
Today · 4.125%
HK$28,579
baseline
▲ 0.50% · 4.625%
HK$30,085
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,158/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,247
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,156
−HK$925/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,972
+HK$1,891/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,537
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,409
−HK$885/mo
Today · 4.125%
HK$34,294
baseline
▲ 0.50% · 4.625%
HK$36,102
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,588/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,121
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,182
−HK$1,079/mo
Today · 4.125%
HK$36,261
baseline
▲ 0.50% · 4.625%
HK$38,467
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,522/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,959
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,977
−HK$1,033/mo
Today · 4.125%
HK$40,010
baseline
▲ 0.50% · 4.625%
HK$42,119
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,020/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,870
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,235
−HK$1,386/mo
Today · 4.125%
HK$46,621
baseline
▲ 0.50% · 4.625%
HK$49,458
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,242/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,805
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,328/mo
Today · 4.125%
HK$51,442
baseline
▲ 0.50% · 4.625%
HK$54,153
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,884/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,814 · Scale 2, in force from 26 Feb 2026)