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$24,253
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,007
−HK$767/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,342
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,705
−HK$734/mo
Today · 4.125%
HK$28,439
baseline
▲ 0.50% · 4.625%
HK$29,938
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,878/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,009
−HK$919/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,810
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,377
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$881/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$35,925
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,010
−HK$1,073/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$38,279
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,773
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,786
−HK$1,028/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$41,913
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,655
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,013
−HK$1,380/mo
Today · 4.125%
HK$46,393
baseline
▲ 0.50% · 4.625%
HK$49,215
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,786/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,566
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,868
−HK$1,322/mo
Today · 4.125%
HK$51,190
baseline
▲ 0.50% · 4.625%
HK$53,888
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,380/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,850 · Scale 2, in force from 26 Feb 2026)