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$24,281
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,036
−HK$768/mo
Today · 4.125%
HK$25,804
baseline
▲ 0.50% · 4.625%
HK$27,374
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,608/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,012
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,737
−HK$735/mo
Today · 4.125%
HK$28,472
baseline
▲ 0.50% · 4.625%
HK$29,973
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,944/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,137
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$920/mo
Today · 4.125%
HK$30,964
baseline
▲ 0.50% · 4.625%
HK$32,848
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,928/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,415
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,284
−HK$882/mo
Today · 4.125%
HK$34,166
baseline
▲ 0.50% · 4.625%
HK$35,967
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,332/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,993
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,051
−HK$1,074/mo
Today · 4.125%
HK$36,125
baseline
▲ 0.50% · 4.625%
HK$38,323
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,250/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,817
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,832
−HK$1,028/mo
Today · 4.125%
HK$39,860
baseline
▲ 0.50% · 4.625%
HK$41,962
+HK$2,102/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,720/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,706
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,065
−HK$1,381/mo
Today · 4.125%
HK$46,446
baseline
▲ 0.50% · 4.625%
HK$49,273
+HK$2,827/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,892/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,622
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,926
−HK$1,323/mo
Today · 4.125%
HK$51,249
baseline
▲ 0.50% · 4.625%
HK$53,951
+HK$2,702/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,498/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,314 · Scale 2, in force from 26 Feb 2026)