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$24,332
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,089
−HK$769/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,432
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,070
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,796
−HK$736/mo
Today · 4.125%
HK$28,532
baseline
▲ 0.50% · 4.625%
HK$30,036
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,064/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,199
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,107
−HK$923/mo
Today · 4.125%
HK$31,030
baseline
▲ 0.50% · 4.625%
HK$32,918
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,060/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,484
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,355
−HK$884/mo
Today · 4.125%
HK$34,239
baseline
▲ 0.50% · 4.625%
HK$36,043
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,478/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,065
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,125
−HK$1,077/mo
Today · 4.125%
HK$36,202
baseline
▲ 0.50% · 4.625%
HK$38,404
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,404/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,897
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,914
−HK$1,031/mo
Today · 4.125%
HK$39,945
baseline
▲ 0.50% · 4.625%
HK$42,051
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,890/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,798
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,161
−HK$1,384/mo
Today · 4.125%
HK$46,545
baseline
▲ 0.50% · 4.625%
HK$49,377
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,090/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,725
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,326/mo
Today · 4.125%
HK$51,358
baseline
▲ 0.50% · 4.625%
HK$54,065
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,716/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,161 · Scale 2, in force from 26 Feb 2026)