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$24,291
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,047
−HK$768/mo
Today · 4.125%
HK$25,815
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,570/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,630/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,024
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$735/mo
Today · 4.125%
HK$28,484
baseline
▲ 0.50% · 4.625%
HK$29,985
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,968/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,150
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,056
−HK$921/mo
Today · 4.125%
HK$30,977
baseline
▲ 0.50% · 4.625%
HK$32,862
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,954/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,429
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,298
−HK$883/mo
Today · 4.125%
HK$34,181
baseline
▲ 0.50% · 4.625%
HK$35,982
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,362/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,008
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,066
−HK$1,074/mo
Today · 4.125%
HK$36,140
baseline
▲ 0.50% · 4.625%
HK$38,339
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,280/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,833
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,848
−HK$1,029/mo
Today · 4.125%
HK$39,877
baseline
▲ 0.50% · 4.625%
HK$41,979
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,754/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,724
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,084
−HK$1,382/mo
Today · 4.125%
HK$46,466
baseline
▲ 0.50% · 4.625%
HK$49,294
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,932/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,643
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,947
−HK$1,324/mo
Today · 4.125%
HK$51,271
baseline
▲ 0.50% · 4.625%
HK$53,973
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,542/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,483 · Scale 2, in force from 26 Feb 2026)