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$24,332
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,089
−HK$769/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,431
+HK$1,573/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,069
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,795
−HK$736/mo
Today · 4.125%
HK$28,531
baseline
▲ 0.50% · 4.625%
HK$30,035
+HK$1,504/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,062/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,198
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$30,106
−HK$923/mo
Today · 4.125%
HK$31,029
baseline
▲ 0.50% · 4.625%
HK$32,917
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,058/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,483
−HK$1,755/mo
▼ 0.25% · 3.875%
HK$33,354
−HK$884/mo
Today · 4.125%
HK$34,238
baseline
▲ 0.50% · 4.625%
HK$36,042
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,476/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,065
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,124
−HK$1,077/mo
Today · 4.125%
HK$36,201
baseline
▲ 0.50% · 4.625%
HK$38,403
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,402/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,896
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,913
−HK$1,031/mo
Today · 4.125%
HK$39,944
baseline
▲ 0.50% · 4.625%
HK$42,049
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,888/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,797
−HK$2,747/mo
▼ 0.25% · 3.875%
HK$45,160
−HK$1,384/mo
Today · 4.125%
HK$46,544
baseline
▲ 0.50% · 4.625%
HK$49,376
+HK$2,832/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,088/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,724
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,031
−HK$1,325/mo
Today · 4.125%
HK$51,356
baseline
▲ 0.50% · 4.625%
HK$54,064
+HK$2,708/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,712/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,150 · Scale 2, in force from 26 Feb 2026)