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$24,317
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$769/mo
Today · 4.125%
HK$25,842
baseline
▲ 0.50% · 4.625%
HK$27,414
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,684/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,052
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$736/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,017
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,180
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,088
−HK$922/mo
Today · 4.125%
HK$31,010
baseline
▲ 0.50% · 4.625%
HK$32,897
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,020/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,463
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,333
−HK$884/mo
Today · 4.125%
HK$34,217
baseline
▲ 0.50% · 4.625%
HK$36,020
+HK$1,803/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,434/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,044
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,103
−HK$1,076/mo
Today · 4.125%
HK$36,179
baseline
▲ 0.50% · 4.625%
HK$38,380
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,358/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,873
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,889
−HK$1,030/mo
Today · 4.125%
HK$39,919
baseline
▲ 0.50% · 4.625%
HK$42,024
+HK$2,105/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,838/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,771
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,132
−HK$1,383/mo
Today · 4.125%
HK$46,515
baseline
▲ 0.50% · 4.625%
HK$49,346
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,030/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,694
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,000
−HK$1,325/mo
Today · 4.125%
HK$51,325
baseline
▲ 0.50% · 4.625%
HK$54,030
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,650/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,905 · Scale 2, in force from 26 Feb 2026)