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$24,289
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,045
−HK$768/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,570/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$735/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,147
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,054
−HK$921/mo
Today · 4.125%
HK$30,975
baseline
▲ 0.50% · 4.625%
HK$32,860
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,950/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,426
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,296
−HK$882/mo
Today · 4.125%
HK$34,178
baseline
▲ 0.50% · 4.625%
HK$35,980
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,356/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,005
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,063
−HK$1,075/mo
Today · 4.125%
HK$36,138
baseline
▲ 0.50% · 4.625%
HK$38,337
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,276/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,831
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,845
−HK$1,029/mo
Today · 4.125%
HK$39,874
baseline
▲ 0.50% · 4.625%
HK$41,976
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,748/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,721
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,081
−HK$1,382/mo
Today · 4.125%
HK$46,463
baseline
▲ 0.50% · 4.625%
HK$49,290
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,926/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,639
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,944
−HK$1,323/mo
Today · 4.125%
HK$51,267
baseline
▲ 0.50% · 4.625%
HK$53,969
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,534/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,453 · Scale 2, in force from 26 Feb 2026)