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$24,371
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$771/mo
Today · 4.125%
HK$25,900
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,800/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,113
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$738/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,246
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,155
−HK$924/mo
Today · 4.125%
HK$31,079
baseline
▲ 0.50% · 4.625%
HK$32,971
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,158/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,535
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,408
−HK$885/mo
Today · 4.125%
HK$34,293
baseline
▲ 0.50% · 4.625%
HK$36,101
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,586/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,120
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,181
−HK$1,078/mo
Today · 4.125%
HK$36,259
baseline
▲ 0.50% · 4.625%
HK$38,466
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,518/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,958
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,976
−HK$1,033/mo
Today · 4.125%
HK$40,009
baseline
▲ 0.50% · 4.625%
HK$42,118
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,018/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,868
−HK$2,751/mo
▼ 0.25% · 3.875%
HK$45,233
−HK$1,386/mo
Today · 4.125%
HK$46,619
baseline
▲ 0.50% · 4.625%
HK$49,456
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,238/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,112
−HK$1,328/mo
Today · 4.125%
HK$51,440
baseline
▲ 0.50% · 4.625%
HK$54,151
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,880/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,799 · Scale 2, in force from 26 Feb 2026)