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$24,265
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,019
−HK$767/mo
Today · 4.125%
HK$25,786
baseline
▲ 0.50% · 4.625%
HK$27,355
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,572/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,994
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,718
−HK$735/mo
Today · 4.125%
HK$28,453
baseline
▲ 0.50% · 4.625%
HK$29,952
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,906/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,117
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,023
−HK$920/mo
Today · 4.125%
HK$30,943
baseline
▲ 0.50% · 4.625%
HK$32,826
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,886/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,393
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,262
−HK$881/mo
Today · 4.125%
HK$34,143
baseline
▲ 0.50% · 4.625%
HK$35,943
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,286/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$1,074/mo
Today · 4.125%
HK$36,101
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,202/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,792
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,805
−HK$1,029/mo
Today · 4.125%
HK$39,834
baseline
▲ 0.50% · 4.625%
HK$41,933
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,668/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,676
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,035
−HK$1,380/mo
Today · 4.125%
HK$46,415
baseline
▲ 0.50% · 4.625%
HK$49,239
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,830/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,589
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,893
−HK$1,322/mo
Today · 4.125%
HK$51,215
baseline
▲ 0.50% · 4.625%
HK$53,914
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,430/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,044 · Scale 2, in force from 26 Feb 2026)