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$24,344
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,101
−HK$769/mo
Today · 4.125%
HK$25,870
baseline
▲ 0.50% · 4.625%
HK$27,445
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,740/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,082
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$737/mo
Today · 4.125%
HK$28,546
baseline
▲ 0.50% · 4.625%
HK$30,050
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,092/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,213
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,121
−HK$924/mo
Today · 4.125%
HK$31,045
baseline
▲ 0.50% · 4.625%
HK$32,934
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,090/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,499
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,370
−HK$885/mo
Today · 4.125%
HK$34,255
baseline
▲ 0.50% · 4.625%
HK$36,060
+HK$1,805/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,510/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,081
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,142
−HK$1,077/mo
Today · 4.125%
HK$36,219
baseline
▲ 0.50% · 4.625%
HK$38,423
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,438/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,915
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,932
−HK$1,032/mo
Today · 4.125%
HK$39,964
baseline
▲ 0.50% · 4.625%
HK$42,070
+HK$2,106/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,928/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,819
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,182
−HK$1,385/mo
Today · 4.125%
HK$46,567
baseline
▲ 0.50% · 4.625%
HK$49,400
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,134/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,748
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,056
−HK$1,326/mo
Today · 4.125%
HK$51,382
baseline
▲ 0.50% · 4.625%
HK$54,090
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,764/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,349 · Scale 2, in force from 26 Feb 2026)