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$24,319
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,076
−HK$768/mo
Today · 4.125%
HK$25,844
baseline
▲ 0.50% · 4.625%
HK$27,417
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,688/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,055
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,781
−HK$736/mo
Today · 4.125%
HK$28,517
baseline
▲ 0.50% · 4.625%
HK$30,020
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,034/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,183
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,091
−HK$922/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,466
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,337
−HK$883/mo
Today · 4.125%
HK$34,220
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,440/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,047
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,106
−HK$1,076/mo
Today · 4.125%
HK$36,182
baseline
▲ 0.50% · 4.625%
HK$38,384
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,364/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,877
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,893
−HK$1,031/mo
Today · 4.125%
HK$39,924
baseline
▲ 0.50% · 4.625%
HK$42,028
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,848/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,775
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,137
−HK$1,383/mo
Today · 4.125%
HK$46,520
baseline
▲ 0.50% · 4.625%
HK$49,351
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,040/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,699
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,005
−HK$1,325/mo
Today · 4.125%
HK$51,330
baseline
▲ 0.50% · 4.625%
HK$54,036
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,660/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,946 · Scale 2, in force from 26 Feb 2026)