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$24,268
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,022
−HK$767/mo
Today · 4.125%
HK$25,789
baseline
▲ 0.50% · 4.625%
HK$27,359
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,578/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,997
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$734/mo
Today · 4.125%
HK$28,456
baseline
▲ 0.50% · 4.625%
HK$29,956
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,912/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,121
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,027
−HK$920/mo
Today · 4.125%
HK$30,947
baseline
▲ 0.50% · 4.625%
HK$32,830
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,894/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,397
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,266
−HK$881/mo
Today · 4.125%
HK$34,147
baseline
▲ 0.50% · 4.625%
HK$35,947
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,294/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,975
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,031
−HK$1,074/mo
Today · 4.125%
HK$36,105
baseline
▲ 0.50% · 4.625%
HK$38,302
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,210/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,796
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,810
−HK$1,028/mo
Today · 4.125%
HK$39,838
baseline
▲ 0.50% · 4.625%
HK$41,938
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,676/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,682
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,040
−HK$1,381/mo
Today · 4.125%
HK$46,421
baseline
▲ 0.50% · 4.625%
HK$49,246
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,842/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,595
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,899
−HK$1,322/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$53,921
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,094 · Scale 2, in force from 26 Feb 2026)