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$24,340
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,097
−HK$769/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,440
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,078
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,804
−HK$737/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,045
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,208
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$923/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,928
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,494
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,365
−HK$884/mo
Today · 4.125%
HK$34,249
baseline
▲ 0.50% · 4.625%
HK$36,054
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,498/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,076
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,136
−HK$1,077/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,416
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,909
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,926
−HK$1,031/mo
Today · 4.125%
HK$39,957
baseline
▲ 0.50% · 4.625%
HK$42,064
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,914/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,812
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,175
−HK$1,384/mo
Today · 4.125%
HK$46,559
baseline
▲ 0.50% · 4.625%
HK$49,392
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,118/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,740
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,048
−HK$1,326/mo
Today · 4.125%
HK$51,374
baseline
▲ 0.50% · 4.625%
HK$54,082
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,748/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,284 · Scale 2, in force from 26 Feb 2026)