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$24,312
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,068
−HK$768/mo
Today · 4.125%
HK$25,836
baseline
▲ 0.50% · 4.625%
HK$27,409
+HK$1,573/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,672/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,047
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,772
−HK$736/mo
Today · 4.125%
HK$28,508
baseline
▲ 0.50% · 4.625%
HK$30,011
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,016/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,174
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,082
−HK$922/mo
Today · 4.125%
HK$31,004
baseline
▲ 0.50% · 4.625%
HK$32,890
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$62,008/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,456
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,327
−HK$883/mo
Today · 4.125%
HK$34,210
baseline
▲ 0.50% · 4.625%
HK$36,013
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,420/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,037
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,095
−HK$1,076/mo
Today · 4.125%
HK$36,171
baseline
▲ 0.50% · 4.625%
HK$38,372
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,342/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,865
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,881
−HK$1,030/mo
Today · 4.125%
HK$39,911
baseline
▲ 0.50% · 4.625%
HK$42,015
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,822/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,761
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,123
−HK$1,383/mo
Today · 4.125%
HK$46,506
baseline
▲ 0.50% · 4.625%
HK$49,335
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,012/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,684
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,990
−HK$1,324/mo
Today · 4.125%
HK$51,314
baseline
▲ 0.50% · 4.625%
HK$54,019
+HK$2,705/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,628/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,822 · Scale 2, in force from 26 Feb 2026)