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$24,134
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,885
−HK$763/mo
Today · 4.125%
HK$25,648
baseline
▲ 0.50% · 4.625%
HK$27,208
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,296/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,849
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,569
−HK$731/mo
Today · 4.125%
HK$28,300
baseline
▲ 0.50% · 4.625%
HK$29,791
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,600/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,961
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,862
−HK$915/mo
Today · 4.125%
HK$30,777
baseline
▲ 0.50% · 4.625%
HK$32,650
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,554/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,219
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,083
−HK$877/mo
Today · 4.125%
HK$33,960
baseline
▲ 0.50% · 4.625%
HK$35,750
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,920/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,788
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,839
−HK$1,068/mo
Today · 4.125%
HK$35,907
baseline
▲ 0.50% · 4.625%
HK$38,092
+HK$2,185/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,814/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,589
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,597
−HK$1,023/mo
Today · 4.125%
HK$39,620
baseline
▲ 0.50% · 4.625%
HK$41,708
+HK$2,088/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,240/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,442
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,793
−HK$1,373/mo
Today · 4.125%
HK$46,166
baseline
▲ 0.50% · 4.625%
HK$48,975
+HK$2,809/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,332/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,328
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,625
−HK$1,314/mo
Today · 4.125%
HK$50,939
baseline
▲ 0.50% · 4.625%
HK$53,624
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,878/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,900 · Scale 2, in force from 26 Feb 2026)