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$24,310
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,066
−HK$769/mo
Today · 4.125%
HK$25,835
baseline
▲ 0.50% · 4.625%
HK$27,407
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,670/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,045
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,770
−HK$736/mo
Today · 4.125%
HK$28,506
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,012/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,172
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,080
−HK$922/mo
Today · 4.125%
HK$31,002
baseline
▲ 0.50% · 4.625%
HK$32,888
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$62,004/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,454
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,324
−HK$883/mo
Today · 4.125%
HK$34,207
baseline
▲ 0.50% · 4.625%
HK$36,010
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,414/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,034
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,093
−HK$1,076/mo
Today · 4.125%
HK$36,169
baseline
▲ 0.50% · 4.625%
HK$38,369
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,338/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,863
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,878
−HK$1,031/mo
Today · 4.125%
HK$39,909
baseline
▲ 0.50% · 4.625%
HK$42,012
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,818/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,758
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,120
−HK$1,383/mo
Today · 4.125%
HK$46,503
baseline
▲ 0.50% · 4.625%
HK$49,332
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,006/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,681
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,986
−HK$1,325/mo
Today · 4.125%
HK$51,311
baseline
▲ 0.50% · 4.625%
HK$54,016
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,622/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,795 · Scale 2, in force from 26 Feb 2026)