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$24,322
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$25,079
−HK$769/mo
Today · 4.125%
HK$25,848
baseline
▲ 0.50% · 4.625%
HK$27,420
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,696/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,059
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,784
−HK$736/mo
Today · 4.125%
HK$28,520
baseline
▲ 0.50% · 4.625%
HK$30,024
+HK$1,504/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,040/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,187
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,095
−HK$922/mo
Today · 4.125%
HK$31,017
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,888/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,034/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,470
−HK$1,754/mo
▼ 0.25% · 3.875%
HK$33,341
−HK$883/mo
Today · 4.125%
HK$34,224
baseline
▲ 0.50% · 4.625%
HK$36,028
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,448/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,051
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$35,111
−HK$1,076/mo
Today · 4.125%
HK$36,187
baseline
▲ 0.50% · 4.625%
HK$38,389
+HK$2,202/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$72,374/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,882
−HK$2,047/mo
▼ 0.25% · 3.875%
HK$38,898
−HK$1,031/mo
Today · 4.125%
HK$39,929
baseline
▲ 0.50% · 4.625%
HK$42,033
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.47M · min. income ≈ HK$79,858/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,780
−HK$2,746/mo
▼ 0.25% · 3.875%
HK$45,142
−HK$1,384/mo
Today · 4.125%
HK$46,526
baseline
▲ 0.50% · 4.625%
HK$49,357
+HK$2,831/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,052/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,705
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$50,012
−HK$1,325/mo
Today · 4.125%
HK$51,337
baseline
▲ 0.50% · 4.625%
HK$54,043
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,674/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,996 · Scale 2, in force from 26 Feb 2026)