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$24,348
−HK$1,527/mo
▼ 0.25% · 3.875%
HK$25,105
−HK$770/mo
Today · 4.125%
HK$25,875
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,574/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$51,750/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,087
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$27,813
−HK$737/mo
Today · 4.125%
HK$28,550
baseline
▲ 0.50% · 4.625%
HK$30,055
+HK$1,505/mo
Deposit HK$5.34M · loan HK$5.34M · min. income ≈ HK$57,100/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$400,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,218
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$30,126
−HK$924/mo
Today · 4.125%
HK$31,050
baseline
▲ 0.50% · 4.625%
HK$32,939
+HK$1,889/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$62,100/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,504
−HK$1,756/mo
▼ 0.25% · 3.875%
HK$33,376
−HK$884/mo
Today · 4.125%
HK$34,260
baseline
▲ 0.50% · 4.625%
HK$36,066
+HK$1,806/mo
Deposit HK$4.27M · loan HK$6.41M · min. income ≈ HK$68,520/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,087
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$35,147
−HK$1,078/mo
Today · 4.125%
HK$36,225
baseline
▲ 0.50% · 4.625%
HK$38,429
+HK$2,204/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,450/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,922
−HK$2,048/mo
▼ 0.25% · 3.875%
HK$38,939
−HK$1,031/mo
Today · 4.125%
HK$39,970
baseline
▲ 0.50% · 4.625%
HK$42,077
+HK$2,107/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,940/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,826
−HK$2,749/mo
▼ 0.25% · 3.875%
HK$45,189
−HK$1,386/mo
Today · 4.125%
HK$46,575
baseline
▲ 0.50% · 4.625%
HK$49,408
+HK$2,833/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$93,150/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,756
−HK$2,634/mo
▼ 0.25% · 3.875%
HK$50,064
−HK$1,326/mo
Today · 4.125%
HK$51,390
baseline
▲ 0.50% · 4.625%
HK$54,099
+HK$2,709/mo
Deposit HK$1.07M · loan HK$9.61M · min. income ≈ HK$102,780/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,415 · Scale 2, in force from 26 Feb 2026)