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$24,271
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,026
−HK$767/mo
Today · 4.125%
HK$25,793
baseline
▲ 0.50% · 4.625%
HK$27,362
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,586/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,001
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,725
−HK$735/mo
Today · 4.125%
HK$28,460
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,920/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,125
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,031
−HK$920/mo
Today · 4.125%
HK$30,951
baseline
▲ 0.50% · 4.625%
HK$32,835
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,902/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,401
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,270
−HK$882/mo
Today · 4.125%
HK$34,152
baseline
▲ 0.50% · 4.625%
HK$35,952
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,304/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,036
−HK$1,074/mo
Today · 4.125%
HK$36,110
baseline
▲ 0.50% · 4.625%
HK$38,307
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,220/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,802
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,815
−HK$1,029/mo
Today · 4.125%
HK$39,844
baseline
▲ 0.50% · 4.625%
HK$41,944
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,688/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,688
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,046
−HK$1,381/mo
Today · 4.125%
HK$46,427
baseline
▲ 0.50% · 4.625%
HK$49,252
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,854/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,602
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,905
−HK$1,323/mo
Today · 4.125%
HK$51,228
baseline
▲ 0.50% · 4.625%
HK$53,928
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,456/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,147 · Scale 2, in force from 26 Feb 2026)