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$24,308
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,064
−HK$768/mo
Today · 4.125%
HK$25,832
baseline
▲ 0.50% · 4.625%
HK$27,404
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,664/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,042
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,768
−HK$735/mo
Today · 4.125%
HK$28,503
baseline
▲ 0.50% · 4.625%
HK$30,006
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,006/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,169
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,077
−HK$922/mo
Today · 4.125%
HK$30,999
baseline
▲ 0.50% · 4.625%
HK$32,885
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$61,998/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,451
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,321
−HK$883/mo
Today · 4.125%
HK$34,204
baseline
▲ 0.50% · 4.625%
HK$36,007
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,408/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,031
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,090
−HK$1,075/mo
Today · 4.125%
HK$36,165
baseline
▲ 0.50% · 4.625%
HK$38,366
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,330/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,859
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,875
−HK$1,030/mo
Today · 4.125%
HK$39,905
baseline
▲ 0.50% · 4.625%
HK$42,008
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,810/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,754
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,115
−HK$1,383/mo
Today · 4.125%
HK$46,498
baseline
▲ 0.50% · 4.625%
HK$49,327
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,996/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,676
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,982
−HK$1,324/mo
Today · 4.125%
HK$51,306
baseline
▲ 0.50% · 4.625%
HK$54,010
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,612/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,756 · Scale 2, in force from 26 Feb 2026)