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$24,299
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,055
−HK$768/mo
Today · 4.125%
HK$25,823
baseline
▲ 0.50% · 4.625%
HK$27,394
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,646/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,032
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,757
−HK$736/mo
Today · 4.125%
HK$28,493
baseline
▲ 0.50% · 4.625%
HK$29,995
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,986/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,159
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,066
−HK$921/mo
Today · 4.125%
HK$30,987
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,974/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,439
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,309
−HK$882/mo
Today · 4.125%
HK$34,191
baseline
▲ 0.50% · 4.625%
HK$35,993
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,382/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,018
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,076
−HK$1,076/mo
Today · 4.125%
HK$36,152
baseline
▲ 0.50% · 4.625%
HK$38,351
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,304/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,845
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,860
−HK$1,030/mo
Today · 4.125%
HK$39,890
baseline
▲ 0.50% · 4.625%
HK$41,992
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,780/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,738
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,383/mo
Today · 4.125%
HK$46,481
baseline
▲ 0.50% · 4.625%
HK$49,309
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,962/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,658
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,963
−HK$1,324/mo
Today · 4.125%
HK$51,287
baseline
▲ 0.50% · 4.625%
HK$53,990
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,574/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,607 · Scale 2, in force from 26 Feb 2026)