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$24,364
−HK$1,528/mo
▼ 0.25% · 3.875%
HK$25,122
−HK$770/mo
Today · 4.125%
HK$25,892
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,576/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,784/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,105
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$27,832
−HK$738/mo
Today · 4.125%
HK$28,570
baseline
▲ 0.50% · 4.625%
HK$30,075
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,140/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,237
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$30,147
−HK$924/mo
Today · 4.125%
HK$31,071
baseline
▲ 0.50% · 4.625%
HK$32,961
+HK$1,890/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,142/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,526
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,398
−HK$885/mo
Today · 4.125%
HK$34,283
baseline
▲ 0.50% · 4.625%
HK$36,091
+HK$1,808/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,566/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$35,171
−HK$1,078/mo
Today · 4.125%
HK$36,249
baseline
▲ 0.50% · 4.625%
HK$38,455
+HK$2,206/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$72,498/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,947
−HK$2,050/mo
▼ 0.25% · 3.875%
HK$38,965
−HK$1,032/mo
Today · 4.125%
HK$39,997
baseline
▲ 0.50% · 4.625%
HK$42,106
+HK$2,109/mo
Deposit HK$3.21M · loan HK$7.48M · min. income ≈ HK$79,994/mo (50% DSR)
Upfront cash ≈ HK$3.61M (deposit + AVD stamp duty HK$400,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,856
−HK$2,750/mo
▼ 0.25% · 3.875%
HK$45,220
−HK$1,386/mo
Today · 4.125%
HK$46,606
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,836/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$93,212/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,789
−HK$2,636/mo
▼ 0.25% · 3.875%
HK$50,098
−HK$1,327/mo
Today · 4.125%
HK$51,425
baseline
▲ 0.50% · 4.625%
HK$54,136
+HK$2,711/mo
Deposit HK$1.07M · loan HK$9.62M · min. income ≈ HK$102,850/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,685 · Scale 2, in force from 26 Feb 2026)