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$24,296
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,051
−HK$768/mo
Today · 4.125%
HK$25,819
baseline
▲ 0.50% · 4.625%
HK$27,390
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,638/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,029
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$736/mo
Today · 4.125%
HK$28,489
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,978/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,155
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,062
−HK$921/mo
Today · 4.125%
HK$30,983
baseline
▲ 0.50% · 4.625%
HK$32,868
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,966/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,434
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,304
−HK$883/mo
Today · 4.125%
HK$34,187
baseline
▲ 0.50% · 4.625%
HK$35,989
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,374/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,014
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,072
−HK$1,075/mo
Today · 4.125%
HK$36,147
baseline
▲ 0.50% · 4.625%
HK$38,346
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,294/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,840
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,855
−HK$1,029/mo
Today · 4.125%
HK$39,884
baseline
▲ 0.50% · 4.625%
HK$41,987
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,768/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,732
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,092
−HK$1,382/mo
Today · 4.125%
HK$46,474
baseline
▲ 0.50% · 4.625%
HK$49,302
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,948/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,651
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,956
−HK$1,324/mo
Today · 4.125%
HK$51,280
baseline
▲ 0.50% · 4.625%
HK$53,983
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,560/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,553 · Scale 2, in force from 26 Feb 2026)