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$24,294
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,049
−HK$768/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,388
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,026
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$736/mo
Today · 4.125%
HK$28,487
baseline
▲ 0.50% · 4.625%
HK$29,988
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,974/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,152
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,059
−HK$922/mo
Today · 4.125%
HK$30,981
baseline
▲ 0.50% · 4.625%
HK$32,866
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,962/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,432
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,302
−HK$882/mo
Today · 4.125%
HK$34,184
baseline
▲ 0.50% · 4.625%
HK$35,986
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,368/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,011
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,069
−HK$1,075/mo
Today · 4.125%
HK$36,144
baseline
▲ 0.50% · 4.625%
HK$38,343
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,288/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,852
−HK$1,029/mo
Today · 4.125%
HK$39,881
baseline
▲ 0.50% · 4.625%
HK$41,984
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,762/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,729
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,089
−HK$1,382/mo
Today · 4.125%
HK$46,471
baseline
▲ 0.50% · 4.625%
HK$49,298
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,942/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,648
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,952
−HK$1,324/mo
Today · 4.125%
HK$51,276
baseline
▲ 0.50% · 4.625%
HK$53,979
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,552/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,523 · Scale 2, in force from 26 Feb 2026)