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$24,324
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,080
−HK$769/mo
Today · 4.125%
HK$25,849
baseline
▲ 0.50% · 4.625%
HK$27,422
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,698/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,060
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,786
−HK$736/mo
Today · 4.125%
HK$28,522
baseline
▲ 0.50% · 4.625%
HK$30,025
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,044/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,188
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,096
−HK$923/mo
Today · 4.125%
HK$31,019
baseline
▲ 0.50% · 4.625%
HK$32,906
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,038/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,472
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,343
−HK$883/mo
Today · 4.125%
HK$34,226
baseline
▲ 0.50% · 4.625%
HK$36,030
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,452/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,053
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,112
−HK$1,077/mo
Today · 4.125%
HK$36,189
baseline
▲ 0.50% · 4.625%
HK$38,390
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,378/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,884
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,900
−HK$1,030/mo
Today · 4.125%
HK$39,930
baseline
▲ 0.50% · 4.625%
HK$42,035
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,860/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,783
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,144
−HK$1,384/mo
Today · 4.125%
HK$46,528
baseline
▲ 0.50% · 4.625%
HK$49,359
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,056/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,708
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,014
−HK$1,325/mo
Today · 4.125%
HK$51,339
baseline
▲ 0.50% · 4.625%
HK$54,045
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,678/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,015 · Scale 2, in force from 26 Feb 2026)