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$24,278
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,033
−HK$767/mo
Today · 4.125%
HK$25,800
baseline
▲ 0.50% · 4.625%
HK$27,370
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,600/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,009
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,733
−HK$735/mo
Today · 4.125%
HK$28,468
baseline
▲ 0.50% · 4.625%
HK$29,968
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,936/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,133
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$921/mo
Today · 4.125%
HK$30,960
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,920/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,410
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,280
−HK$881/mo
Today · 4.125%
HK$34,161
baseline
▲ 0.50% · 4.625%
HK$35,962
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,322/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,989
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,046
−HK$1,074/mo
Today · 4.125%
HK$36,120
baseline
▲ 0.50% · 4.625%
HK$38,318
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,240/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,812
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,826
−HK$1,029/mo
Today · 4.125%
HK$39,855
baseline
▲ 0.50% · 4.625%
HK$41,956
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,710/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,700
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,059
−HK$1,381/mo
Today · 4.125%
HK$46,440
baseline
▲ 0.50% · 4.625%
HK$49,266
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,880/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,616
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,323/mo
Today · 4.125%
HK$51,242
baseline
▲ 0.50% · 4.625%
HK$53,943
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,484/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,259 · Scale 2, in force from 26 Feb 2026)