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$24,305
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,061
−HK$768/mo
Today · 4.125%
HK$25,829
baseline
▲ 0.50% · 4.625%
HK$27,401
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,658/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,039
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,764
−HK$736/mo
Today · 4.125%
HK$28,500
baseline
▲ 0.50% · 4.625%
HK$30,002
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,000/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,073
−HK$922/mo
Today · 4.125%
HK$30,995
baseline
▲ 0.50% · 4.625%
HK$32,881
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$61,990/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,447
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,317
−HK$883/mo
Today · 4.125%
HK$34,200
baseline
▲ 0.50% · 4.625%
HK$36,003
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,400/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,027
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,086
−HK$1,075/mo
Today · 4.125%
HK$36,161
baseline
▲ 0.50% · 4.625%
HK$38,361
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,322/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,870
−HK$1,030/mo
Today · 4.125%
HK$39,900
baseline
▲ 0.50% · 4.625%
HK$42,003
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,800/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,749
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,110
−HK$1,383/mo
Today · 4.125%
HK$46,493
baseline
▲ 0.50% · 4.625%
HK$49,322
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,986/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,670
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,976
−HK$1,324/mo
Today · 4.125%
HK$51,300
baseline
▲ 0.50% · 4.625%
HK$54,004
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,600/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,710 · Scale 2, in force from 26 Feb 2026)