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$24,351
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,108
−HK$770/mo
Today · 4.125%
HK$25,878
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,575/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,756/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,090
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$737/mo
Today · 4.125%
HK$28,554
baseline
▲ 0.50% · 4.625%
HK$30,059
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,108/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,221
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$30,130
−HK$924/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,943
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,508
−HK$1,757/mo
▼ 0.25% · 3.875%
HK$33,380
−HK$885/mo
Today · 4.125%
HK$34,265
baseline
▲ 0.50% · 4.625%
HK$36,071
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,530/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,091
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,152
−HK$1,077/mo
Today · 4.125%
HK$36,229
baseline
▲ 0.50% · 4.625%
HK$38,434
+HK$2,205/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$72,458/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,926
−HK$2,049/mo
▼ 0.25% · 3.875%
HK$38,943
−HK$1,032/mo
Today · 4.125%
HK$39,975
baseline
▲ 0.50% · 4.625%
HK$42,082
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.48M · min. income ≈ HK$79,950/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,832
−HK$2,748/mo
▼ 0.25% · 3.875%
HK$45,195
−HK$1,385/mo
Today · 4.125%
HK$46,580
baseline
▲ 0.50% · 4.625%
HK$49,415
+HK$2,835/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,160/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,762
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$50,070
−HK$1,327/mo
Today · 4.125%
HK$51,397
baseline
▲ 0.50% · 4.625%
HK$54,106
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,794/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,464 · Scale 2, in force from 26 Feb 2026)