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$24,294
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,050
−HK$768/mo
Today · 4.125%
HK$25,818
baseline
▲ 0.50% · 4.625%
HK$27,389
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,636/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,027
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,752
−HK$736/mo
Today · 4.125%
HK$28,488
baseline
▲ 0.50% · 4.625%
HK$29,989
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,976/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,153
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,060
−HK$921/mo
Today · 4.125%
HK$30,981
baseline
▲ 0.50% · 4.625%
HK$32,867
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,962/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,433
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,303
−HK$882/mo
Today · 4.125%
HK$34,185
baseline
▲ 0.50% · 4.625%
HK$35,987
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,370/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,012
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,070
−HK$1,075/mo
Today · 4.125%
HK$36,145
baseline
▲ 0.50% · 4.625%
HK$38,344
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,290/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,838
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,853
−HK$1,030/mo
Today · 4.125%
HK$39,883
baseline
▲ 0.50% · 4.625%
HK$41,985
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,766/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,730
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,090
−HK$1,382/mo
Today · 4.125%
HK$46,472
baseline
▲ 0.50% · 4.625%
HK$49,300
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,944/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,649
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,954
−HK$1,324/mo
Today · 4.125%
HK$51,278
baseline
▲ 0.50% · 4.625%
HK$53,980
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,556/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,535 · Scale 2, in force from 26 Feb 2026)