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$24,353
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,110
−HK$770/mo
Today · 4.125%
HK$25,880
baseline
▲ 0.50% · 4.625%
HK$27,455
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,760/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,092
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$737/mo
Today · 4.125%
HK$28,556
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,112/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,223
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,132
−HK$924/mo
Today · 4.125%
HK$31,056
baseline
▲ 0.50% · 4.625%
HK$32,945
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,112/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,511
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,382
−HK$885/mo
Today · 4.125%
HK$34,267
baseline
▲ 0.50% · 4.625%
HK$36,073
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,534/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,154
−HK$1,078/mo
Today · 4.125%
HK$36,232
baseline
▲ 0.50% · 4.625%
HK$38,436
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,464/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,929
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,946
−HK$1,032/mo
Today · 4.125%
HK$39,978
baseline
▲ 0.50% · 4.625%
HK$42,086
+HK$2,108/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,956/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,835
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,198
−HK$1,386/mo
Today · 4.125%
HK$46,584
baseline
▲ 0.50% · 4.625%
HK$49,418
+HK$2,834/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,168/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,766
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,074
−HK$1,327/mo
Today · 4.125%
HK$51,401
baseline
▲ 0.50% · 4.625%
HK$54,110
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,802/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,494 · Scale 2, in force from 26 Feb 2026)