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$24,298
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,054
−HK$768/mo
Today · 4.125%
HK$25,822
baseline
▲ 0.50% · 4.625%
HK$27,393
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,644/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,032
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,757
−HK$735/mo
Today · 4.125%
HK$28,492
baseline
▲ 0.50% · 4.625%
HK$29,994
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,984/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,158
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,065
−HK$921/mo
Today · 4.125%
HK$30,986
baseline
▲ 0.50% · 4.625%
HK$32,872
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,972/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,438
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,308
−HK$882/mo
Today · 4.125%
HK$34,190
baseline
▲ 0.50% · 4.625%
HK$35,993
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,380/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,018
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,076
−HK$1,075/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,350
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,844
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,859
−HK$1,030/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$41,991
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,737
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,097
−HK$1,383/mo
Today · 4.125%
HK$46,480
baseline
▲ 0.50% · 4.625%
HK$49,308
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,960/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,657
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,962
−HK$1,324/mo
Today · 4.125%
HK$51,286
baseline
▲ 0.50% · 4.625%
HK$53,989
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,572/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,598 · Scale 2, in force from 26 Feb 2026)