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$24,357
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,115
−HK$769/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,459
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,097
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,824
−HK$737/mo
Today · 4.125%
HK$28,561
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,122/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,228
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,138
−HK$923/mo
Today · 4.125%
HK$31,061
baseline
▲ 0.50% · 4.625%
HK$32,951
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,122/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,516
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,388
−HK$885/mo
Today · 4.125%
HK$34,273
baseline
▲ 0.50% · 4.625%
HK$36,080
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,546/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,100
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,160
−HK$1,078/mo
Today · 4.125%
HK$36,238
baseline
▲ 0.50% · 4.625%
HK$38,443
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,476/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,936
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,953
−HK$1,032/mo
Today · 4.125%
HK$39,985
baseline
▲ 0.50% · 4.625%
HK$42,093
+HK$2,108/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,970/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,843
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,206
−HK$1,386/mo
Today · 4.125%
HK$46,592
baseline
▲ 0.50% · 4.625%
HK$49,427
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,184/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,774
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,082
−HK$1,327/mo
Today · 4.125%
HK$51,409
baseline
▲ 0.50% · 4.625%
HK$54,119
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,818/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,563 · Scale 2, in force from 26 Feb 2026)