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$24,318
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,075
−HK$768/mo
Today · 4.125%
HK$25,843
baseline
▲ 0.50% · 4.625%
HK$27,416
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,686/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,054
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,780
−HK$736/mo
Today · 4.125%
HK$28,516
baseline
▲ 0.50% · 4.625%
HK$30,019
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,032/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,182
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,090
−HK$922/mo
Today · 4.125%
HK$31,012
baseline
▲ 0.50% · 4.625%
HK$32,899
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,024/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,465
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,335
−HK$884/mo
Today · 4.125%
HK$34,219
baseline
▲ 0.50% · 4.625%
HK$36,022
+HK$1,803/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,438/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,046
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,105
−HK$1,076/mo
Today · 4.125%
HK$36,181
baseline
▲ 0.50% · 4.625%
HK$38,382
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,362/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,876
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,891
−HK$1,031/mo
Today · 4.125%
HK$39,922
baseline
▲ 0.50% · 4.625%
HK$42,026
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,844/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,773
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,135
−HK$1,383/mo
Today · 4.125%
HK$46,518
baseline
▲ 0.50% · 4.625%
HK$49,349
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,036/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,697
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$50,003
−HK$1,325/mo
Today · 4.125%
HK$51,328
baseline
▲ 0.50% · 4.625%
HK$54,034
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,656/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,929 · Scale 2, in force from 26 Feb 2026)