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$24,358
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,116
−HK$769/mo
Today · 4.125%
HK$25,885
baseline
▲ 0.50% · 4.625%
HK$27,460
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,770/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,098
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$737/mo
Today · 4.125%
HK$28,562
baseline
▲ 0.50% · 4.625%
HK$30,068
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,124/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,230
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,139
−HK$924/mo
Today · 4.125%
HK$31,063
baseline
▲ 0.50% · 4.625%
HK$32,953
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,126/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,518
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,390
−HK$884/mo
Today · 4.125%
HK$34,274
baseline
▲ 0.50% · 4.625%
HK$36,081
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,548/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,101
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,162
−HK$1,078/mo
Today · 4.125%
HK$36,240
baseline
▲ 0.50% · 4.625%
HK$38,445
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,480/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,937
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,955
−HK$1,032/mo
Today · 4.125%
HK$39,987
baseline
▲ 0.50% · 4.625%
HK$42,095
+HK$2,108/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,974/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,844
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,208
−HK$1,386/mo
Today · 4.125%
HK$46,594
baseline
▲ 0.50% · 4.625%
HK$49,429
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,188/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,776
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,085
−HK$1,327/mo
Today · 4.125%
HK$51,412
baseline
▲ 0.50% · 4.625%
HK$54,122
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,824/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,580 · Scale 2, in force from 26 Feb 2026)