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$24,330
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,086
−HK$769/mo
Today · 4.125%
HK$25,855
baseline
▲ 0.50% · 4.625%
HK$27,428
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,710/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,066
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,792
−HK$737/mo
Today · 4.125%
HK$28,529
baseline
▲ 0.50% · 4.625%
HK$30,032
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,058/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,195
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,104
−HK$922/mo
Today · 4.125%
HK$31,026
baseline
▲ 0.50% · 4.625%
HK$32,914
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,052/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,480
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,351
−HK$883/mo
Today · 4.125%
HK$34,234
baseline
▲ 0.50% · 4.625%
HK$36,039
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,468/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,061
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,121
−HK$1,076/mo
Today · 4.125%
HK$36,197
baseline
▲ 0.50% · 4.625%
HK$38,400
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,394/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,893
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,909
−HK$1,031/mo
Today · 4.125%
HK$39,940
baseline
▲ 0.50% · 4.625%
HK$42,045
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,880/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,793
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,155
−HK$1,384/mo
Today · 4.125%
HK$46,539
baseline
▲ 0.50% · 4.625%
HK$49,371
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,078/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,719
−HK$2,633/mo
▼ 0.25% · 3.875%
HK$50,026
−HK$1,326/mo
Today · 4.125%
HK$51,352
baseline
▲ 0.50% · 4.625%
HK$54,058
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,704/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,112 · Scale 2, in force from 26 Feb 2026)