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$24,331
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,088
−HK$769/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,431
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,069
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,795
−HK$736/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,035
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,198
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,106
−HK$923/mo
Today · 4.125%
HK$31,029
baseline
▲ 0.50% · 4.625%
HK$32,917
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,058/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,482
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,353
−HK$884/mo
Today · 4.125%
HK$34,237
baseline
▲ 0.50% · 4.625%
HK$36,042
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,474/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,064
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,124
−HK$1,076/mo
Today · 4.125%
HK$36,200
baseline
▲ 0.50% · 4.625%
HK$38,403
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,400/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,896
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,912
−HK$1,031/mo
Today · 4.125%
HK$39,943
baseline
▲ 0.50% · 4.625%
HK$42,049
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,886/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,797
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,159
−HK$1,384/mo
Today · 4.125%
HK$46,543
baseline
▲ 0.50% · 4.625%
HK$49,375
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,086/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,723
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,030
−HK$1,326/mo
Today · 4.125%
HK$51,356
baseline
▲ 0.50% · 4.625%
HK$54,063
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,712/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,144 · Scale 2, in force from 26 Feb 2026)