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$24,268
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,023
−HK$767/mo
Today · 4.125%
HK$25,790
baseline
▲ 0.50% · 4.625%
HK$27,359
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,580/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$735/mo
Today · 4.125%
HK$28,457
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,914/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,122
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,028
−HK$920/mo
Today · 4.125%
HK$30,948
baseline
▲ 0.50% · 4.625%
HK$32,831
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,896/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,398
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,267
−HK$881/mo
Today · 4.125%
HK$34,148
baseline
▲ 0.50% · 4.625%
HK$35,948
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,296/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,976
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,033
−HK$1,073/mo
Today · 4.125%
HK$36,106
baseline
▲ 0.50% · 4.625%
HK$38,303
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,212/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,798
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,811
−HK$1,029/mo
Today · 4.125%
HK$39,840
baseline
▲ 0.50% · 4.625%
HK$41,940
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,680/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,683
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,042
−HK$1,380/mo
Today · 4.125%
HK$46,422
baseline
▲ 0.50% · 4.625%
HK$49,247
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,844/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,597
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,900
−HK$1,322/mo
Today · 4.125%
HK$51,222
baseline
▲ 0.50% · 4.625%
HK$53,922
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,444/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,106 · Scale 2, in force from 26 Feb 2026)