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$24,285
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$767/mo
Today · 4.125%
HK$25,808
baseline
▲ 0.50% · 4.625%
HK$27,378
+HK$1,570/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,616/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$735/mo
Today · 4.125%
HK$28,477
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,954/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,142
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,049
−HK$921/mo
Today · 4.125%
HK$30,970
baseline
▲ 0.50% · 4.625%
HK$32,854
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,940/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,420
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,290
−HK$882/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$35,973
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,344/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,999
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$1,074/mo
Today · 4.125%
HK$36,131
baseline
▲ 0.50% · 4.625%
HK$38,330
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,262/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,824
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,838
−HK$1,029/mo
Today · 4.125%
HK$39,867
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,734/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,713
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,073
−HK$1,381/mo
Today · 4.125%
HK$46,454
baseline
▲ 0.50% · 4.625%
HK$49,281
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,908/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,631
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,935
−HK$1,323/mo
Today · 4.125%
HK$51,258
baseline
▲ 0.50% · 4.625%
HK$53,960
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,516/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,383 · Scale 2, in force from 26 Feb 2026)