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$24,316
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$768/mo
Today · 4.125%
HK$25,841
baseline
▲ 0.50% · 4.625%
HK$27,413
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,682/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,052
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,777
−HK$736/mo
Today · 4.125%
HK$28,513
baseline
▲ 0.50% · 4.625%
HK$30,016
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,026/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,179
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,087
−HK$922/mo
Today · 4.125%
HK$31,009
baseline
▲ 0.50% · 4.625%
HK$32,896
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,018/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,462
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,332
−HK$884/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,019
+HK$1,803/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,043
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,102
−HK$1,076/mo
Today · 4.125%
HK$36,178
baseline
▲ 0.50% · 4.625%
HK$38,379
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,356/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,872
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,888
−HK$1,030/mo
Today · 4.125%
HK$39,918
baseline
▲ 0.50% · 4.625%
HK$42,022
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,836/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,769
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,383/mo
Today · 4.125%
HK$46,514
baseline
▲ 0.50% · 4.625%
HK$49,344
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,028/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,693
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,999
−HK$1,325/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,029
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,894 · Scale 2, in force from 26 Feb 2026)