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$24,330
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,087
−HK$769/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,429
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,067
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,793
−HK$736/mo
Today · 4.125%
HK$28,529
baseline
▲ 0.50% · 4.625%
HK$30,033
+HK$1,504/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,058/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,196
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,104
−HK$923/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,480
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,351
−HK$884/mo
Today · 4.125%
HK$34,235
baseline
▲ 0.50% · 4.625%
HK$36,040
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,470/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,062
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,122
−HK$1,076/mo
Today · 4.125%
HK$36,198
baseline
▲ 0.50% · 4.625%
HK$38,401
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,396/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,910
−HK$1,031/mo
Today · 4.125%
HK$39,941
baseline
▲ 0.50% · 4.625%
HK$42,046
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,882/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,794
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,156
−HK$1,384/mo
Today · 4.125%
HK$46,540
baseline
▲ 0.50% · 4.625%
HK$49,372
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,080/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,720
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,027
−HK$1,326/mo
Today · 4.125%
HK$51,353
baseline
▲ 0.50% · 4.625%
HK$54,060
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,706/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,120 · Scale 2, in force from 26 Feb 2026)