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$24,366
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,124
−HK$770/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,107
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,834
−HK$737/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,239
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,148
−HK$925/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,963
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,528
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,400
−HK$885/mo
Today · 4.125%
HK$34,285
baseline
▲ 0.50% · 4.625%
HK$36,093
+HK$1,808/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,570/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,173
−HK$1,078/mo
Today · 4.125%
HK$36,251
baseline
▲ 0.50% · 4.625%
HK$38,457
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,502/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,967
−HK$1,033/mo
Today · 4.125%
HK$40,000
baseline
▲ 0.50% · 4.625%
HK$42,108
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,000/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,858
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,223
−HK$1,386/mo
Today · 4.125%
HK$46,609
baseline
▲ 0.50% · 4.625%
HK$49,445
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,218/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,792
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,101
−HK$1,327/mo
Today · 4.125%
HK$51,428
baseline
▲ 0.50% · 4.625%
HK$54,139
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,856/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,709 · Scale 2, in force from 26 Feb 2026)