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$24,288
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,043
−HK$768/mo
Today · 4.125%
HK$25,811
baseline
▲ 0.50% · 4.625%
HK$27,381
+HK$1,570/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,622/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,020
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,744
−HK$736/mo
Today · 4.125%
HK$28,480
baseline
▲ 0.50% · 4.625%
HK$29,981
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,960/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,145
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,052
−HK$921/mo
Today · 4.125%
HK$30,973
baseline
▲ 0.50% · 4.625%
HK$32,857
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,946/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,424
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,293
−HK$882/mo
Today · 4.125%
HK$34,175
baseline
▲ 0.50% · 4.625%
HK$35,977
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,350/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,003
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,060
−HK$1,075/mo
Today · 4.125%
HK$36,135
baseline
▲ 0.50% · 4.625%
HK$38,334
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,270/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,828
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,842
−HK$1,029/mo
Today · 4.125%
HK$39,871
baseline
▲ 0.50% · 4.625%
HK$41,973
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,742/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,718
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,078
−HK$1,381/mo
Today · 4.125%
HK$46,459
baseline
▲ 0.50% · 4.625%
HK$49,286
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,918/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,636
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,940
−HK$1,323/mo
Today · 4.125%
HK$51,263
baseline
▲ 0.50% · 4.625%
HK$53,965
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,526/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,424 · Scale 2, in force from 26 Feb 2026)