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$24,293
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,049
−HK$768/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,387
+HK$1,570/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,026
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$735/mo
Today · 4.125%
HK$28,486
baseline
▲ 0.50% · 4.625%
HK$29,988
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,972/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$921/mo
Today · 4.125%
HK$30,980
baseline
▲ 0.50% · 4.625%
HK$32,865
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,960/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,431
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,301
−HK$882/mo
Today · 4.125%
HK$34,183
baseline
▲ 0.50% · 4.625%
HK$35,985
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,366/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,010
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,068
−HK$1,075/mo
Today · 4.125%
HK$36,143
baseline
▲ 0.50% · 4.625%
HK$38,342
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,286/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,836
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,851
−HK$1,029/mo
Today · 4.125%
HK$39,880
baseline
▲ 0.50% · 4.625%
HK$41,983
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,760/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,728
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,088
−HK$1,382/mo
Today · 4.125%
HK$46,470
baseline
▲ 0.50% · 4.625%
HK$49,297
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,940/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,647
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,951
−HK$1,324/mo
Today · 4.125%
HK$51,275
baseline
▲ 0.50% · 4.625%
HK$53,978
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,550/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,513 · Scale 2, in force from 26 Feb 2026)