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$24,340
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,098
−HK$769/mo
Today · 4.125%
HK$25,867
baseline
▲ 0.50% · 4.625%
HK$27,441
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,734/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,079
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,805
−HK$736/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,046
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,209
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,117
−HK$923/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,929
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,494
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,366
−HK$884/mo
Today · 4.125%
HK$34,250
baseline
▲ 0.50% · 4.625%
HK$36,055
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,500/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,077
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$35,137
−HK$1,077/mo
Today · 4.125%
HK$36,214
baseline
▲ 0.50% · 4.625%
HK$38,417
+HK$2,203/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,428/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,910
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,927
−HK$1,031/mo
Today · 4.125%
HK$39,958
baseline
▲ 0.50% · 4.625%
HK$42,064
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,916/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,813
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,176
−HK$1,384/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,393
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,741
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,049
−HK$1,326/mo
Today · 4.125%
HK$51,375
baseline
▲ 0.50% · 4.625%
HK$54,083
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,750/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,292 · Scale 2, in force from 26 Feb 2026)