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$24,299
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,055
−HK$768/mo
Today · 4.125%
HK$25,823
baseline
▲ 0.50% · 4.625%
HK$27,395
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,646/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,033
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$735/mo
Today · 4.125%
HK$28,493
baseline
▲ 0.50% · 4.625%
HK$29,995
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,986/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,159
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,066
−HK$922/mo
Today · 4.125%
HK$30,988
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,976/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,309
−HK$883/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$35,994
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,384/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,077
−HK$1,076/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,352
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,306/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,846
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,861
−HK$1,030/mo
Today · 4.125%
HK$39,891
baseline
▲ 0.50% · 4.625%
HK$41,993
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,782/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,739
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,100
−HK$1,382/mo
Today · 4.125%
HK$46,482
baseline
▲ 0.50% · 4.625%
HK$49,310
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,964/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,659
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,964
−HK$1,324/mo
Today · 4.125%
HK$51,288
baseline
▲ 0.50% · 4.625%
HK$53,992
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,576/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,617 · Scale 2, in force from 26 Feb 2026)