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$24,321
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,077
−HK$769/mo
Today · 4.125%
HK$25,846
baseline
▲ 0.50% · 4.625%
HK$27,418
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,692/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,056
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,782
−HK$736/mo
Today · 4.125%
HK$28,518
baseline
▲ 0.50% · 4.625%
HK$30,021
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,036/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,185
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,092
−HK$923/mo
Today · 4.125%
HK$31,015
baseline
▲ 0.50% · 4.625%
HK$32,902
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,030/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,468
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,338
−HK$884/mo
Today · 4.125%
HK$34,222
baseline
▲ 0.50% · 4.625%
HK$36,026
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,444/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,049
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,108
−HK$1,076/mo
Today · 4.125%
HK$36,184
baseline
▲ 0.50% · 4.625%
HK$38,386
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,368/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,879
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,895
−HK$1,030/mo
Today · 4.125%
HK$39,925
baseline
▲ 0.50% · 4.625%
HK$42,030
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,850/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,777
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,139
−HK$1,383/mo
Today · 4.125%
HK$46,522
baseline
▲ 0.50% · 4.625%
HK$49,353
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,044/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,701
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,008
−HK$1,325/mo
Today · 4.125%
HK$51,333
baseline
▲ 0.50% · 4.625%
HK$54,038
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,666/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,964 · Scale 2, in force from 26 Feb 2026)