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$25,040
−HK$768/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$399,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,741
−HK$735/mo
Today · 4.125%
HK$28,476
baseline
▲ 0.50% · 4.625%
HK$29,977
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,952/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,142
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,048
−HK$921/mo
Today · 4.125%
HK$30,969
baseline
▲ 0.50% · 4.625%
HK$32,854
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,938/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,378 · 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$399,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,999
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,056
−HK$1,075/mo
Today · 4.125%
HK$36,131
baseline
▲ 0.50% · 4.625%
HK$38,329
+HK$2,198/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$399,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,823
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,838
−HK$1,029/mo
Today · 4.125%
HK$39,867
baseline
▲ 0.50% · 4.625%
HK$41,968
+HK$2,101/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$399,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,713
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,072
−HK$1,382/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$399,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,630
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,934
−HK$1,323/mo
Today · 4.125%
HK$51,257
baseline
▲ 0.50% · 4.625%
HK$53,959
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,514/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,378 · Scale 2, in force from 26 Feb 2026)