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$24,279
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,034
−HK$767/mo
Today · 4.125%
HK$25,801
baseline
▲ 0.50% · 4.625%
HK$27,371
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,602/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,010
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,734
−HK$735/mo
Today · 4.125%
HK$28,469
baseline
▲ 0.50% · 4.625%
HK$29,970
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,938/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,041
−HK$921/mo
Today · 4.125%
HK$30,962
baseline
▲ 0.50% · 4.625%
HK$32,846
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,924/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,412
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,281
−HK$882/mo
Today · 4.125%
HK$34,163
baseline
▲ 0.50% · 4.625%
HK$35,964
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,326/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,990
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,048
−HK$1,074/mo
Today · 4.125%
HK$36,122
baseline
▲ 0.50% · 4.625%
HK$38,320
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,244/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,814
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,828
−HK$1,029/mo
Today · 4.125%
HK$39,857
baseline
▲ 0.50% · 4.625%
HK$41,958
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,714/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,702
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,061
−HK$1,382/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$49,268
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,618
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,922
−HK$1,323/mo
Today · 4.125%
HK$51,245
baseline
▲ 0.50% · 4.625%
HK$53,946
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,490/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,280 · Scale 2, in force from 26 Feb 2026)