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$24,262
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,017
−HK$767/mo
Today · 4.125%
HK$25,784
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,568/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,991
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$735/mo
Today · 4.125%
HK$28,450
baseline
▲ 0.50% · 4.625%
HK$29,949
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,900/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,115
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,020
−HK$920/mo
Today · 4.125%
HK$30,940
baseline
▲ 0.50% · 4.625%
HK$32,823
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,880/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,390
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,258
−HK$882/mo
Today · 4.125%
HK$34,140
baseline
▲ 0.50% · 4.625%
HK$35,939
+HK$1,799/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,280/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,967
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,024
−HK$1,073/mo
Today · 4.125%
HK$36,097
baseline
▲ 0.50% · 4.625%
HK$38,293
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,194/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,788
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,801
−HK$1,028/mo
Today · 4.125%
HK$39,829
baseline
▲ 0.50% · 4.625%
HK$41,929
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,658/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,672
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,030
−HK$1,380/mo
Today · 4.125%
HK$46,410
baseline
▲ 0.50% · 4.625%
HK$49,234
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,820/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,004 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,584
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,887
−HK$1,322/mo
Today · 4.125%
HK$51,209
baseline
▲ 0.50% · 4.625%
HK$53,909
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,418/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,004 · Scale 2, in force from 26 Feb 2026)