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$24,269
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,024
−HK$767/mo
Today · 4.125%
HK$25,791
baseline
▲ 0.50% · 4.625%
HK$27,361
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,582/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,999
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$734/mo
Today · 4.125%
HK$28,458
baseline
▲ 0.50% · 4.625%
HK$29,958
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,916/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,123
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,029
−HK$921/mo
Today · 4.125%
HK$30,950
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,900/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,399
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,268
−HK$882/mo
Today · 4.125%
HK$34,150
baseline
▲ 0.50% · 4.625%
HK$35,950
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,300/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,977
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,034
−HK$1,074/mo
Today · 4.125%
HK$36,108
baseline
▲ 0.50% · 4.625%
HK$38,305
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,216/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,799
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,813
−HK$1,028/mo
Today · 4.125%
HK$39,841
baseline
▲ 0.50% · 4.625%
HK$41,941
+HK$2,100/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,682/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,685
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,044
−HK$1,380/mo
Today · 4.125%
HK$46,424
baseline
▲ 0.50% · 4.625%
HK$49,249
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,848/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,599
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,323/mo
Today · 4.125%
HK$51,225
baseline
▲ 0.50% · 4.625%
HK$53,925
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,450/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,123 · Scale 2, in force from 26 Feb 2026)