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$24,269
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,024
−HK$767/mo
Today · 4.125%
HK$25,791
baseline
▲ 0.50% · 4.625%
HK$27,360
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,582/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,999
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,723
−HK$735/mo
Today · 4.125%
HK$28,458
baseline
▲ 0.50% · 4.625%
HK$29,958
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,916/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,029
−HK$920/mo
Today · 4.125%
HK$30,949
baseline
▲ 0.50% · 4.625%
HK$32,832
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,898/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,399
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,268
−HK$881/mo
Today · 4.125%
HK$34,149
baseline
▲ 0.50% · 4.625%
HK$35,949
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,298/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,977
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,033
−HK$1,074/mo
Today · 4.125%
HK$36,107
baseline
▲ 0.50% · 4.625%
HK$38,304
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,214/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,799
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,812
−HK$1,029/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$41,941
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,684
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,043
−HK$1,381/mo
Today · 4.125%
HK$46,424
baseline
▲ 0.50% · 4.625%
HK$49,248
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,848/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,598
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,322/mo
Today · 4.125%
HK$51,224
baseline
▲ 0.50% · 4.625%
HK$53,924
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,448/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,116 · Scale 2, in force from 26 Feb 2026)