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$24,300
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,056
−HK$767/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$399,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,033
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$736/mo
Today · 4.125%
HK$28,494
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,988/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,160
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,067
−HK$921/mo
Today · 4.125%
HK$30,988
baseline
▲ 0.50% · 4.625%
HK$32,874
+HK$1,886/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$399,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,440
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,310
−HK$882/mo
Today · 4.125%
HK$34,192
baseline
▲ 0.50% · 4.625%
HK$35,995
+HK$1,803/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$399,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,020
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,078
−HK$1,075/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,353
+HK$2,200/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$399,621 · 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$41,994
+HK$2,103/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$399,621 · 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$49,311
+HK$2,829/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$399,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,660
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,965
−HK$1,324/mo
Today · 4.125%
HK$51,289
baseline
▲ 0.50% · 4.625%
HK$53,992
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,578/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,621 · Scale 2, in force from 26 Feb 2026)