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$24,277
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,032
−HK$767/mo
Today · 4.125%
HK$25,799
baseline
▲ 0.50% · 4.625%
HK$27,369
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,598/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,008
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,732
−HK$735/mo
Today · 4.125%
HK$28,467
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,934/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,132
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,038
−HK$921/mo
Today · 4.125%
HK$30,959
baseline
▲ 0.50% · 4.625%
HK$32,843
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,918/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,409
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,278
−HK$882/mo
Today · 4.125%
HK$34,160
baseline
▲ 0.50% · 4.625%
HK$35,961
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,320/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,045
−HK$1,074/mo
Today · 4.125%
HK$36,119
baseline
▲ 0.50% · 4.625%
HK$38,317
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,238/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,811
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,825
−HK$1,029/mo
Today · 4.125%
HK$39,854
baseline
▲ 0.50% · 4.625%
HK$41,954
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,708/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,698
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,057
−HK$1,381/mo
Today · 4.125%
HK$46,438
baseline
▲ 0.50% · 4.625%
HK$49,264
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,876/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,614
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,918
−HK$1,322/mo
Today · 4.125%
HK$51,240
baseline
▲ 0.50% · 4.625%
HK$53,941
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,480/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,245 · Scale 2, in force from 26 Feb 2026)