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$1,526/mo
▼ 0.25% · 3.875%
HK$25,081
−HK$769/mo
Today · 4.125%
HK$25,850
baseline
▲ 0.50% · 4.625%
HK$27,422
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,700/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$400,025 · 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$30,026
+HK$1,504/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$400,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,189
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,097
−HK$922/mo
Today · 4.125%
HK$31,019
baseline
▲ 0.50% · 4.625%
HK$32,907
+HK$1,888/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$400,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,473
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,343
−HK$884/mo
Today · 4.125%
HK$34,227
baseline
▲ 0.50% · 4.625%
HK$36,031
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,454/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$400,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,054
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,113
−HK$1,076/mo
Today · 4.125%
HK$36,189
baseline
▲ 0.50% · 4.625%
HK$38,391
+HK$2,202/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$400,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,885
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,901
−HK$1,030/mo
Today · 4.125%
HK$39,931
baseline
▲ 0.50% · 4.625%
HK$42,036
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,862/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$400,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,784
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,146
−HK$1,383/mo
Today · 4.125%
HK$46,529
baseline
▲ 0.50% · 4.625%
HK$49,360
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,058/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,709
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,015
−HK$1,325/mo
Today · 4.125%
HK$51,340
baseline
▲ 0.50% · 4.625%
HK$54,047
+HK$2,707/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,680/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$400,025 · Scale 2, in force from 26 Feb 2026)