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$24,273
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,028
−HK$767/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,365
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,004
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,728
−HK$735/mo
Today · 4.125%
HK$28,463
baseline
▲ 0.50% · 4.625%
HK$29,963
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,926/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,128
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,034
−HK$920/mo
Today · 4.125%
HK$30,954
baseline
▲ 0.50% · 4.625%
HK$32,838
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,908/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,404
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,273
−HK$882/mo
Today · 4.125%
HK$34,155
baseline
▲ 0.50% · 4.625%
HK$35,955
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,310/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,982
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$1,074/mo
Today · 4.125%
HK$36,113
baseline
▲ 0.50% · 4.625%
HK$38,311
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,226/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,805
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,819
−HK$1,029/mo
Today · 4.125%
HK$39,848
baseline
▲ 0.50% · 4.625%
HK$41,948
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,696/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,692
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,051
−HK$1,381/mo
Today · 4.125%
HK$46,432
baseline
▲ 0.50% · 4.625%
HK$49,257
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,864/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,607
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,910
−HK$1,323/mo
Today · 4.125%
HK$51,233
baseline
▲ 0.50% · 4.625%
HK$53,933
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,466/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,185 · Scale 2, in force from 26 Feb 2026)