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$24,347
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,104
−HK$769/mo
Today · 4.125%
HK$25,873
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,746/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,085
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$737/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,054
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,216
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,125
−HK$923/mo
Today · 4.125%
HK$31,048
baseline
▲ 0.50% · 4.625%
HK$32,937
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,096/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,502
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,374
−HK$884/mo
Today · 4.125%
HK$34,258
baseline
▲ 0.50% · 4.625%
HK$36,064
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,516/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,085
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,145
−HK$1,078/mo
Today · 4.125%
HK$36,223
baseline
▲ 0.50% · 4.625%
HK$38,427
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,446/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,936
−HK$1,032/mo
Today · 4.125%
HK$39,968
baseline
▲ 0.50% · 4.625%
HK$42,075
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,936/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,824
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,187
−HK$1,385/mo
Today · 4.125%
HK$46,572
baseline
▲ 0.50% · 4.625%
HK$49,406
+HK$2,834/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,144/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,754
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,061
−HK$1,327/mo
Today · 4.125%
HK$51,388
baseline
▲ 0.50% · 4.625%
HK$54,096
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,776/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,393 · Scale 2, in force from 26 Feb 2026)