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$24,310
−HK$1,524/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$399,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,045
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,770
−HK$736/mo
Today · 4.125%
HK$28,506
baseline
▲ 0.50% · 4.625%
HK$30,008
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,012/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,172
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,079
−HK$922/mo
Today · 4.125%
HK$31,001
baseline
▲ 0.50% · 4.625%
HK$32,888
+HK$1,887/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$399,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,454
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,324
−HK$883/mo
Today · 4.125%
HK$34,207
baseline
▲ 0.50% · 4.625%
HK$36,010
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,414/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,034
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,093
−HK$1,075/mo
Today · 4.125%
HK$36,168
baseline
▲ 0.50% · 4.625%
HK$38,369
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,336/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,862
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,878
−HK$1,030/mo
Today · 4.125%
HK$39,908
baseline
▲ 0.50% · 4.625%
HK$42,012
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,816/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,758
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,119
−HK$1,383/mo
Today · 4.125%
HK$46,502
baseline
▲ 0.50% · 4.625%
HK$49,332
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$93,004/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,680
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,986
−HK$1,324/mo
Today · 4.125%
HK$51,310
baseline
▲ 0.50% · 4.625%
HK$54,015
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,620/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,791 · Scale 2, in force from 26 Feb 2026)