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$24,374
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,132
−HK$771/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,479
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,116
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,843
−HK$738/mo
Today · 4.125%
HK$28,581
baseline
▲ 0.50% · 4.625%
HK$30,087
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,162/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,249
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,159
−HK$924/mo
Today · 4.125%
HK$31,083
baseline
▲ 0.50% · 4.625%
HK$32,974
+HK$1,891/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,166/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,539
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,412
−HK$885/mo
Today · 4.125%
HK$34,297
baseline
▲ 0.50% · 4.625%
HK$36,105
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,594/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,124
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,185
−HK$1,079/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,470
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,962
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,980
−HK$1,033/mo
Today · 4.125%
HK$40,013
baseline
▲ 0.50% · 4.625%
HK$42,122
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,026/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,873
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,238
−HK$1,387/mo
Today · 4.125%
HK$46,625
baseline
▲ 0.50% · 4.625%
HK$49,462
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,250/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,809
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,118
−HK$1,328/mo
Today · 4.125%
HK$51,446
baseline
▲ 0.50% · 4.625%
HK$54,157
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,892/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,845 · Scale 2, in force from 26 Feb 2026)