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$24,276
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,031
−HK$768/mo
Today · 4.125%
HK$25,799
baseline
▲ 0.50% · 4.625%
HK$27,368
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,598/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,007
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,731
−HK$735/mo
Today · 4.125%
HK$28,466
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,932/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,131
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,038
−HK$920/mo
Today · 4.125%
HK$30,958
baseline
▲ 0.50% · 4.625%
HK$32,842
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,916/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,408
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,278
−HK$881/mo
Today · 4.125%
HK$34,159
baseline
▲ 0.50% · 4.625%
HK$35,960
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,318/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,987
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,044
−HK$1,074/mo
Today · 4.125%
HK$36,118
baseline
▲ 0.50% · 4.625%
HK$38,316
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,236/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,810
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,824
−HK$1,029/mo
Today · 4.125%
HK$39,853
baseline
▲ 0.50% · 4.625%
HK$41,953
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,706/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,697
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,056
−HK$1,381/mo
Today · 4.125%
HK$46,437
baseline
▲ 0.50% · 4.625%
HK$49,263
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,874/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,613
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,916
−HK$1,323/mo
Today · 4.125%
HK$51,239
baseline
▲ 0.50% · 4.625%
HK$53,940
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,478/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,235 · Scale 2, in force from 26 Feb 2026)