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$24,309
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,066
−HK$768/mo
Today · 4.125%
HK$25,834
baseline
▲ 0.50% · 4.625%
HK$27,406
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,668/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,044
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,769
−HK$736/mo
Today · 4.125%
HK$28,505
baseline
▲ 0.50% · 4.625%
HK$30,008
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,010/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,171
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,079
−HK$922/mo
Today · 4.125%
HK$31,001
baseline
▲ 0.50% · 4.625%
HK$32,887
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$62,002/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,453
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,323
−HK$883/mo
Today · 4.125%
HK$34,206
baseline
▲ 0.50% · 4.625%
HK$36,009
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,412/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,092
−HK$1,075/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,862
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,877
−HK$1,030/mo
Today · 4.125%
HK$39,907
baseline
▲ 0.50% · 4.625%
HK$42,011
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,814/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,757
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,118
−HK$1,383/mo
Today · 4.125%
HK$46,501
baseline
▲ 0.50% · 4.625%
HK$49,330
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$93,002/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,679
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,985
−HK$1,324/mo
Today · 4.125%
HK$51,309
baseline
▲ 0.50% · 4.625%
HK$54,014
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,618/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,782 · Scale 2, in force from 26 Feb 2026)