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$24,296
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,052
−HK$768/mo
Today · 4.125%
HK$25,820
baseline
▲ 0.50% · 4.625%
HK$27,391
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,640/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,029
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,754
−HK$736/mo
Today · 4.125%
HK$28,490
baseline
▲ 0.50% · 4.625%
HK$29,991
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,980/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,156
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$922/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,435
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,305
−HK$883/mo
Today · 4.125%
HK$34,188
baseline
▲ 0.50% · 4.625%
HK$35,990
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,376/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,015
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,073
−HK$1,075/mo
Today · 4.125%
HK$36,148
baseline
▲ 0.50% · 4.625%
HK$38,347
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,296/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,841
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,856
−HK$1,030/mo
Today · 4.125%
HK$39,886
baseline
▲ 0.50% · 4.625%
HK$41,988
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,772/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,733
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,094
−HK$1,382/mo
Today · 4.125%
HK$46,476
baseline
▲ 0.50% · 4.625%
HK$49,304
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,952/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,653
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,958
−HK$1,323/mo
Today · 4.125%
HK$51,281
baseline
▲ 0.50% · 4.625%
HK$53,985
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,562/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,566 · Scale 2, in force from 26 Feb 2026)