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$24,284
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$768/mo
Today · 4.125%
HK$25,807
baseline
▲ 0.50% · 4.625%
HK$27,377
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,614/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,016
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,740
−HK$735/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$29,976
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,141
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,047
−HK$921/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,852
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,419
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,288
−HK$882/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$35,971
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,055
−HK$1,074/mo
Today · 4.125%
HK$36,129
baseline
▲ 0.50% · 4.625%
HK$38,328
+HK$2,199/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,258/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,822
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,836
−HK$1,029/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$41,967
+HK$2,102/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,730/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,711
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,071
−HK$1,381/mo
Today · 4.125%
HK$46,452
baseline
▲ 0.50% · 4.625%
HK$49,279
+HK$2,827/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,904/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,628
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,932
−HK$1,323/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$53,957
+HK$2,702/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,510/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,362 · Scale 2, in force from 26 Feb 2026)