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$24,317
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,073
−HK$768/mo
Today · 4.125%
HK$25,841
baseline
▲ 0.50% · 4.625%
HK$27,414
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,682/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,052
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,777
−HK$737/mo
Today · 4.125%
HK$28,514
baseline
▲ 0.50% · 4.625%
HK$30,016
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,028/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,180
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,088
−HK$922/mo
Today · 4.125%
HK$31,010
baseline
▲ 0.50% · 4.625%
HK$32,897
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,020/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,462
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,333
−HK$883/mo
Today · 4.125%
HK$34,216
baseline
▲ 0.50% · 4.625%
HK$36,020
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,432/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,043
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,102
−HK$1,076/mo
Today · 4.125%
HK$36,178
baseline
▲ 0.50% · 4.625%
HK$38,379
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,356/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,873
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,888
−HK$1,031/mo
Today · 4.125%
HK$39,919
baseline
▲ 0.50% · 4.625%
HK$42,023
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,838/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,770
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,131
−HK$1,384/mo
Today · 4.125%
HK$46,515
baseline
▲ 0.50% · 4.625%
HK$49,345
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,030/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,694
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,999
−HK$1,325/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,030
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,900 · Scale 2, in force from 26 Feb 2026)