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$24,314
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,070
−HK$768/mo
Today · 4.125%
HK$25,838
baseline
▲ 0.50% · 4.625%
HK$27,411
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,676/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,049
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,774
−HK$736/mo
Today · 4.125%
HK$28,510
baseline
▲ 0.50% · 4.625%
HK$30,013
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,020/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,176
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,084
−HK$922/mo
Today · 4.125%
HK$31,006
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,012/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,458
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,329
−HK$883/mo
Today · 4.125%
HK$34,212
baseline
▲ 0.50% · 4.625%
HK$36,015
+HK$1,803/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,424/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,039
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,098
−HK$1,076/mo
Today · 4.125%
HK$36,174
baseline
▲ 0.50% · 4.625%
HK$38,375
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,348/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,868
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,884
−HK$1,030/mo
Today · 4.125%
HK$39,914
baseline
▲ 0.50% · 4.625%
HK$42,018
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,828/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,765
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,126
−HK$1,383/mo
Today · 4.125%
HK$46,509
baseline
▲ 0.50% · 4.625%
HK$49,339
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,018/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,688
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,993
−HK$1,325/mo
Today · 4.125%
HK$51,318
baseline
▲ 0.50% · 4.625%
HK$54,023
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,636/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,851 · Scale 2, in force from 26 Feb 2026)