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$24,311
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,067
−HK$768/mo
Today · 4.125%
HK$25,835
baseline
▲ 0.50% · 4.625%
HK$27,407
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,670/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,046
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,771
−HK$736/mo
Today · 4.125%
HK$28,507
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,014/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,173
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,080
−HK$922/mo
Today · 4.125%
HK$31,002
baseline
▲ 0.50% · 4.625%
HK$32,889
+HK$1,887/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$62,004/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,455
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,325
−HK$883/mo
Today · 4.125%
HK$34,208
baseline
▲ 0.50% · 4.625%
HK$36,011
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,416/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,035
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,094
−HK$1,075/mo
Today · 4.125%
HK$36,169
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,338/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,864
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,879
−HK$1,030/mo
Today · 4.125%
HK$39,909
baseline
▲ 0.50% · 4.625%
HK$42,013
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,818/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,760
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,121
−HK$1,383/mo
Today · 4.125%
HK$46,504
baseline
▲ 0.50% · 4.625%
HK$49,333
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,008/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,682
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,988
−HK$1,324/mo
Today · 4.125%
HK$51,312
baseline
▲ 0.50% · 4.625%
HK$54,017
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,624/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,805 · Scale 2, in force from 26 Feb 2026)