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$24,342
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,099
−HK$769/mo
Today · 4.125%
HK$25,868
baseline
▲ 0.50% · 4.625%
HK$27,443
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,736/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,080
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,807
−HK$736/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,048
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,086/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,210
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,119
−HK$923/mo
Today · 4.125%
HK$31,042
baseline
▲ 0.50% · 4.625%
HK$32,931
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,084/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,496
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,368
−HK$884/mo
Today · 4.125%
HK$34,252
baseline
▲ 0.50% · 4.625%
HK$36,057
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,504/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,079
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$1,077/mo
Today · 4.125%
HK$36,216
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,432/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,912
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,929
−HK$1,032/mo
Today · 4.125%
HK$39,961
baseline
▲ 0.50% · 4.625%
HK$42,067
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,922/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,816
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,179
−HK$1,384/mo
Today · 4.125%
HK$46,563
baseline
▲ 0.50% · 4.625%
HK$49,397
+HK$2,834/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,126/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,744
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,052
−HK$1,326/mo
Today · 4.125%
HK$51,378
baseline
▲ 0.50% · 4.625%
HK$54,086
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,756/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,317 · Scale 2, in force from 26 Feb 2026)