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$24,322
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,078
−HK$769/mo
Today · 4.125%
HK$25,847
baseline
▲ 0.50% · 4.625%
HK$27,420
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,694/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,058
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,783
−HK$737/mo
Today · 4.125%
HK$28,520
baseline
▲ 0.50% · 4.625%
HK$30,023
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,040/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,186
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,094
−HK$922/mo
Today · 4.125%
HK$31,016
baseline
▲ 0.50% · 4.625%
HK$32,904
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,032/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,469
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,340
−HK$883/mo
Today · 4.125%
HK$34,223
baseline
▲ 0.50% · 4.625%
HK$36,027
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,446/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,050
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,110
−HK$1,076/mo
Today · 4.125%
HK$36,186
baseline
▲ 0.50% · 4.625%
HK$38,388
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,372/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,881
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,897
−HK$1,030/mo
Today · 4.125%
HK$39,927
baseline
▲ 0.50% · 4.625%
HK$42,032
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,854/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,779
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,141
−HK$1,384/mo
Today · 4.125%
HK$46,525
baseline
▲ 0.50% · 4.625%
HK$49,355
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,050/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,704
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,010
−HK$1,325/mo
Today · 4.125%
HK$51,335
baseline
▲ 0.50% · 4.625%
HK$54,041
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,670/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,984 · Scale 2, in force from 26 Feb 2026)