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$24,277
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,032
−HK$768/mo
Today · 4.125%
HK$25,800
baseline
▲ 0.50% · 4.625%
HK$27,370
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,600/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,008
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,733
−HK$734/mo
Today · 4.125%
HK$28,467
baseline
▲ 0.50% · 4.625%
HK$29,968
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,934/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,133
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,039
−HK$921/mo
Today · 4.125%
HK$30,960
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,920/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,410
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,279
−HK$882/mo
Today · 4.125%
HK$34,161
baseline
▲ 0.50% · 4.625%
HK$35,962
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,322/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,045
−HK$1,075/mo
Today · 4.125%
HK$36,120
baseline
▲ 0.50% · 4.625%
HK$38,317
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,240/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,812
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,826
−HK$1,028/mo
Today · 4.125%
HK$39,854
baseline
▲ 0.50% · 4.625%
HK$41,955
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,708/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,699
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,058
−HK$1,382/mo
Today · 4.125%
HK$46,440
baseline
▲ 0.50% · 4.625%
HK$49,265
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,880/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,615
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,919
−HK$1,322/mo
Today · 4.125%
HK$51,241
baseline
▲ 0.50% · 4.625%
HK$53,942
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,482/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,254 · Scale 2, in force from 26 Feb 2026)