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$24,375
−HK$1,529/mo
▼ 0.25% · 3.875%
HK$25,133
−HK$771/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,480
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,117
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,844
−HK$738/mo
Today · 4.125%
HK$28,582
baseline
▲ 0.50% · 4.625%
HK$30,089
+HK$1,507/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,164/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$400,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,250
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,160
−HK$924/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,976
+HK$1,892/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,541
−HK$1,758/mo
▼ 0.25% · 3.875%
HK$33,413
−HK$886/mo
Today · 4.125%
HK$34,299
baseline
▲ 0.50% · 4.625%
HK$36,107
+HK$1,808/mo
Deposit HK$4.28M · loan HK$6.41M · min. income ≈ HK$68,598/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$400,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,125
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$35,187
−HK$1,078/mo
Today · 4.125%
HK$36,265
baseline
▲ 0.50% · 4.625%
HK$38,472
+HK$2,207/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,530/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,964
−HK$2,051/mo
▼ 0.25% · 3.875%
HK$38,982
−HK$1,033/mo
Today · 4.125%
HK$40,015
baseline
▲ 0.50% · 4.625%
HK$42,124
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$80,030/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,875
−HK$2,752/mo
▼ 0.25% · 3.875%
HK$45,240
−HK$1,387/mo
Today · 4.125%
HK$46,627
baseline
▲ 0.50% · 4.625%
HK$49,464
+HK$2,837/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,254/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,811
−HK$2,637/mo
▼ 0.25% · 3.875%
HK$50,120
−HK$1,328/mo
Today · 4.125%
HK$51,448
baseline
▲ 0.50% · 4.625%
HK$54,160
+HK$2,712/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,896/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,863 · Scale 2, in force from 26 Feb 2026)