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$24,259
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,014
−HK$766/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,349
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,988
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,712
−HK$734/mo
Today · 4.125%
HK$28,446
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,892/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,111
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,016
−HK$920/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,819
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,385
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$881/mo
Today · 4.125%
HK$34,135
baseline
▲ 0.50% · 4.625%
HK$35,934
+HK$1,799/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,270/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,963
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,019
−HK$1,073/mo
Today · 4.125%
HK$36,092
baseline
▲ 0.50% · 4.625%
HK$38,288
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,184/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,783
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,796
−HK$1,028/mo
Today · 4.125%
HK$39,824
baseline
▲ 0.50% · 4.625%
HK$41,924
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,648/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,666
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,024
−HK$1,380/mo
Today · 4.125%
HK$46,404
baseline
▲ 0.50% · 4.625%
HK$49,228
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,808/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,578
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,881
−HK$1,322/mo
Today · 4.125%
HK$51,203
baseline
▲ 0.50% · 4.625%
HK$53,902
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,406/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,952 · Scale 2, in force from 26 Feb 2026)