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$24,266
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,021
−HK$767/mo
Today · 4.125%
HK$25,788
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,576/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,996
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,720
−HK$734/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,119
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,025
−HK$920/mo
Today · 4.125%
HK$30,945
baseline
▲ 0.50% · 4.625%
HK$32,828
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,890/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,395
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,264
−HK$881/mo
Today · 4.125%
HK$34,145
baseline
▲ 0.50% · 4.625%
HK$35,945
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,290/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,972
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,029
−HK$1,074/mo
Today · 4.125%
HK$36,103
baseline
▲ 0.50% · 4.625%
HK$38,299
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,206/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,794
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,807
−HK$1,029/mo
Today · 4.125%
HK$39,836
baseline
▲ 0.50% · 4.625%
HK$41,935
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,672/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,679
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,037
−HK$1,381/mo
Today · 4.125%
HK$46,418
baseline
▲ 0.50% · 4.625%
HK$49,242
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,836/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,592
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,895
−HK$1,322/mo
Today · 4.125%
HK$51,217
baseline
▲ 0.50% · 4.625%
HK$53,917
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,434/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,066 · Scale 2, in force from 26 Feb 2026)