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$24,249
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,003
−HK$766/mo
Today · 4.125%
HK$25,769
baseline
▲ 0.50% · 4.625%
HK$27,337
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,538/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,976
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$734/mo
Today · 4.125%
HK$28,434
baseline
▲ 0.50% · 4.625%
HK$29,932
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,868/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,098
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,003
−HK$920/mo
Today · 4.125%
HK$30,923
baseline
▲ 0.50% · 4.625%
HK$32,805
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,846/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,371
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,240
−HK$880/mo
Today · 4.125%
HK$34,120
baseline
▲ 0.50% · 4.625%
HK$35,919
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,240/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,948
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,004
−HK$1,073/mo
Today · 4.125%
HK$36,077
baseline
▲ 0.50% · 4.625%
HK$38,272
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,154/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,767
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,780
−HK$1,027/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,647
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,005
−HK$1,379/mo
Today · 4.125%
HK$46,384
baseline
▲ 0.50% · 4.625%
HK$49,207
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,768/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,557
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,321/mo
Today · 4.125%
HK$51,181
baseline
▲ 0.50% · 4.625%
HK$53,878
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,362/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,780 · Scale 2, in force from 26 Feb 2026)