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$24,362
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,120
−HK$770/mo
Today · 4.125%
HK$25,890
baseline
▲ 0.50% · 4.625%
HK$27,465
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,780/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,103
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,829
−HK$738/mo
Today · 4.125%
HK$28,567
baseline
▲ 0.50% · 4.625%
HK$30,073
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,134/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,234
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,144
−HK$924/mo
Today · 4.125%
HK$31,068
baseline
▲ 0.50% · 4.625%
HK$32,958
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,136/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,523
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,395
−HK$885/mo
Today · 4.125%
HK$34,280
baseline
▲ 0.50% · 4.625%
HK$36,087
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,560/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,107
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,168
−HK$1,078/mo
Today · 4.125%
HK$36,246
baseline
▲ 0.50% · 4.625%
HK$38,451
+HK$2,205/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,492/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,944
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,961
−HK$1,033/mo
Today · 4.125%
HK$39,994
baseline
▲ 0.50% · 4.625%
HK$42,102
+HK$2,108/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$79,988/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,852
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,216
−HK$1,386/mo
Today · 4.125%
HK$46,602
baseline
▲ 0.50% · 4.625%
HK$49,437
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,204/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,785
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,093
−HK$1,327/mo
Today · 4.125%
HK$51,420
baseline
▲ 0.50% · 4.625%
HK$54,131
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,840/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,648 · Scale 2, in force from 26 Feb 2026)