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$24,292
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,048
−HK$768/mo
Today · 4.125%
HK$25,816
baseline
▲ 0.50% · 4.625%
HK$27,387
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,632/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,025
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,750
−HK$735/mo
Today · 4.125%
HK$28,485
baseline
▲ 0.50% · 4.625%
HK$29,987
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,970/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,151
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,058
−HK$921/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,864
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,430
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,300
−HK$882/mo
Today · 4.125%
HK$34,182
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,364/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,009
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,067
−HK$1,075/mo
Today · 4.125%
HK$36,142
baseline
▲ 0.50% · 4.625%
HK$38,341
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,284/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,835
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,850
−HK$1,029/mo
Today · 4.125%
HK$39,879
baseline
▲ 0.50% · 4.625%
HK$41,981
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,758/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,726
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,086
−HK$1,382/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$49,296
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,645
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,950
−HK$1,323/mo
Today · 4.125%
HK$51,273
baseline
▲ 0.50% · 4.625%
HK$53,976
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,546/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,502 · Scale 2, in force from 26 Feb 2026)