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$24,307
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,063
−HK$768/mo
Today · 4.125%
HK$25,831
baseline
▲ 0.50% · 4.625%
HK$27,403
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,662/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,041
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,767
−HK$735/mo
Today · 4.125%
HK$28,502
baseline
▲ 0.50% · 4.625%
HK$30,005
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,004/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,168
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,076
−HK$922/mo
Today · 4.125%
HK$30,998
baseline
▲ 0.50% · 4.625%
HK$32,884
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$61,996/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,450
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,320
−HK$883/mo
Today · 4.125%
HK$34,203
baseline
▲ 0.50% · 4.625%
HK$36,006
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,406/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,030
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,088
−HK$1,076/mo
Today · 4.125%
HK$36,164
baseline
▲ 0.50% · 4.625%
HK$38,364
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,328/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,858
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,873
−HK$1,030/mo
Today · 4.125%
HK$39,903
baseline
▲ 0.50% · 4.625%
HK$42,007
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,806/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,753
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,114
−HK$1,382/mo
Today · 4.125%
HK$46,496
baseline
▲ 0.50% · 4.625%
HK$49,326
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,992/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,674
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,980
−HK$1,324/mo
Today · 4.125%
HK$51,304
baseline
▲ 0.50% · 4.625%
HK$54,009
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,608/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,743 · Scale 2, in force from 26 Feb 2026)