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$24,291
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,046
−HK$768/mo
Today · 4.125%
HK$25,814
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,628/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,023
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,748
−HK$735/mo
Today · 4.125%
HK$28,483
baseline
▲ 0.50% · 4.625%
HK$29,984
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,966/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,149
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,055
−HK$922/mo
Today · 4.125%
HK$30,977
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,954/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,428
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,297
−HK$883/mo
Today · 4.125%
HK$34,180
baseline
▲ 0.50% · 4.625%
HK$35,981
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,360/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,007
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,065
−HK$1,074/mo
Today · 4.125%
HK$36,139
baseline
▲ 0.50% · 4.625%
HK$38,338
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,278/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,832
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,847
−HK$1,029/mo
Today · 4.125%
HK$39,876
baseline
▲ 0.50% · 4.625%
HK$41,978
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,752/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,723
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,083
−HK$1,382/mo
Today · 4.125%
HK$46,465
baseline
▲ 0.50% · 4.625%
HK$49,292
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,930/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,641
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,946
−HK$1,323/mo
Today · 4.125%
HK$51,269
baseline
▲ 0.50% · 4.625%
HK$53,972
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,538/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,472 · Scale 2, in force from 26 Feb 2026)