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$24,286
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$767/mo
Today · 4.125%
HK$25,808
baseline
▲ 0.50% · 4.625%
HK$27,379
+HK$1,571/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$399,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,017
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,742
−HK$735/mo
Today · 4.125%
HK$28,477
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,954/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,143
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,049
−HK$921/mo
Today · 4.125%
HK$30,970
baseline
▲ 0.50% · 4.625%
HK$32,855
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,940/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,421
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,290
−HK$882/mo
Today · 4.125%
HK$34,172
baseline
▲ 0.50% · 4.625%
HK$35,974
+HK$1,802/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$399,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,000
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$1,075/mo
Today · 4.125%
HK$36,132
baseline
▲ 0.50% · 4.625%
HK$38,330
+HK$2,198/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,264/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,824
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,839
−HK$1,029/mo
Today · 4.125%
HK$39,868
baseline
▲ 0.50% · 4.625%
HK$41,969
+HK$2,101/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,736/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,714
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,074
−HK$1,381/mo
Today · 4.125%
HK$46,455
baseline
▲ 0.50% · 4.625%
HK$49,282
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,910/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,631
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,936
−HK$1,323/mo
Today · 4.125%
HK$51,259
baseline
▲ 0.50% · 4.625%
HK$53,961
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,518/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,389 · Scale 2, in force from 26 Feb 2026)