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$24,365
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,123
−HK$770/mo
Today · 4.125%
HK$25,893
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,786/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,106
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$737/mo
Today · 4.125%
HK$28,570
baseline
▲ 0.50% · 4.625%
HK$30,076
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,140/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,238
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,148
−HK$924/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,962
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,527
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,399
−HK$885/mo
Today · 4.125%
HK$34,284
baseline
▲ 0.50% · 4.625%
HK$36,092
+HK$1,808/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,568/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,111
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,172
−HK$1,078/mo
Today · 4.125%
HK$36,250
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,500/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,948
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,966
−HK$1,032/mo
Today · 4.125%
HK$39,998
baseline
▲ 0.50% · 4.625%
HK$42,107
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$79,996/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,857
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,221
−HK$1,386/mo
Today · 4.125%
HK$46,607
baseline
▲ 0.50% · 4.625%
HK$49,443
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,214/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,791
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,099
−HK$1,328/mo
Today · 4.125%
HK$51,427
baseline
▲ 0.50% · 4.625%
HK$54,137
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,854/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,697 · Scale 2, in force from 26 Feb 2026)