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$24,307
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,063
−HK$768/mo
Today · 4.125%
HK$25,831
baseline
▲ 0.50% · 4.625%
HK$27,403
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,662/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,041
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,766
−HK$736/mo
Today · 4.125%
HK$28,502
baseline
▲ 0.50% · 4.625%
HK$30,004
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,004/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,168
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,075
−HK$922/mo
Today · 4.125%
HK$30,997
baseline
▲ 0.50% · 4.625%
HK$32,883
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$61,994/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,449
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,320
−HK$882/mo
Today · 4.125%
HK$34,202
baseline
▲ 0.50% · 4.625%
HK$36,005
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,404/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,030
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,088
−HK$1,075/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,364
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,858
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,873
−HK$1,030/mo
Today · 4.125%
HK$39,903
baseline
▲ 0.50% · 4.625%
HK$42,006
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,806/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,752
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,113
−HK$1,383/mo
Today · 4.125%
HK$46,496
baseline
▲ 0.50% · 4.625%
HK$49,325
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,992/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,674
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,979
−HK$1,325/mo
Today · 4.125%
HK$51,304
baseline
▲ 0.50% · 4.625%
HK$54,008
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,608/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,738 · Scale 2, in force from 26 Feb 2026)