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$24,356
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,114
−HK$770/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,459
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,096
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,823
−HK$737/mo
Today · 4.125%
HK$28,560
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,506/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,120/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,228
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,137
−HK$924/mo
Today · 4.125%
HK$31,061
baseline
▲ 0.50% · 4.625%
HK$32,950
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,122/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,516
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,388
−HK$884/mo
Today · 4.125%
HK$34,272
baseline
▲ 0.50% · 4.625%
HK$36,079
+HK$1,807/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,544/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,099
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,160
−HK$1,077/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,442
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,935
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,952
−HK$1,032/mo
Today · 4.125%
HK$39,984
baseline
▲ 0.50% · 4.625%
HK$42,092
+HK$2,108/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,968/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,842
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,205
−HK$1,386/mo
Today · 4.125%
HK$46,591
baseline
▲ 0.50% · 4.625%
HK$49,426
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,182/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,773
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,081
−HK$1,327/mo
Today · 4.125%
HK$51,408
baseline
▲ 0.50% · 4.625%
HK$54,118
+HK$2,710/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,816/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,554 · Scale 2, in force from 26 Feb 2026)