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$24,354
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,111
−HK$770/mo
Today · 4.125%
HK$25,881
baseline
▲ 0.50% · 4.625%
HK$27,456
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,762/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,093
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,820
−HK$737/mo
Today · 4.125%
HK$28,557
baseline
▲ 0.50% · 4.625%
HK$30,062
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,114/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,224
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,133
−HK$924/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,947
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,512
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,384
−HK$884/mo
Today · 4.125%
HK$34,268
baseline
▲ 0.50% · 4.625%
HK$36,075
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,536/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,095
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,156
−HK$1,077/mo
Today · 4.125%
HK$36,233
baseline
▲ 0.50% · 4.625%
HK$38,438
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,466/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,930
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,948
−HK$1,032/mo
Today · 4.125%
HK$39,980
baseline
▲ 0.50% · 4.625%
HK$42,087
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,960/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,836
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,200
−HK$1,385/mo
Today · 4.125%
HK$46,585
baseline
▲ 0.50% · 4.625%
HK$49,420
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,170/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,768
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,076
−HK$1,326/mo
Today · 4.125%
HK$51,402
baseline
▲ 0.50% · 4.625%
HK$54,112
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,804/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,508 · Scale 2, in force from 26 Feb 2026)