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$24,313
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,069
−HK$769/mo
Today · 4.125%
HK$25,838
baseline
▲ 0.50% · 4.625%
HK$27,410
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,676/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,048
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,773
−HK$736/mo
Today · 4.125%
HK$28,509
baseline
▲ 0.50% · 4.625%
HK$30,012
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,018/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,176
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,083
−HK$922/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,892
+HK$1,887/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,458
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,328
−HK$883/mo
Today · 4.125%
HK$34,211
baseline
▲ 0.50% · 4.625%
HK$36,014
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,422/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,038
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,097
−HK$1,076/mo
Today · 4.125%
HK$36,173
baseline
▲ 0.50% · 4.625%
HK$38,374
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,346/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,867
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,883
−HK$1,030/mo
Today · 4.125%
HK$39,913
baseline
▲ 0.50% · 4.625%
HK$42,017
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,826/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,763
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,125
−HK$1,383/mo
Today · 4.125%
HK$46,508
baseline
▲ 0.50% · 4.625%
HK$49,338
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,016/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,686
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,992
−HK$1,325/mo
Today · 4.125%
HK$51,317
baseline
▲ 0.50% · 4.625%
HK$54,022
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,634/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,840 · Scale 2, in force from 26 Feb 2026)