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$24,301
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,057
−HK$768/mo
Today · 4.125%
HK$25,825
baseline
▲ 0.50% · 4.625%
HK$27,396
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,650/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,034
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,759
−HK$736/mo
Today · 4.125%
HK$28,495
baseline
▲ 0.50% · 4.625%
HK$29,997
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,990/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,161
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,068
−HK$922/mo
Today · 4.125%
HK$30,990
baseline
▲ 0.50% · 4.625%
HK$32,875
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,980/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,441
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,311
−HK$883/mo
Today · 4.125%
HK$34,194
baseline
▲ 0.50% · 4.625%
HK$35,996
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,388/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,021
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,079
−HK$1,075/mo
Today · 4.125%
HK$36,154
baseline
▲ 0.50% · 4.625%
HK$38,354
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,308/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,848
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,863
−HK$1,030/mo
Today · 4.125%
HK$39,893
baseline
▲ 0.50% · 4.625%
HK$41,996
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,786/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,741
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,102
−HK$1,382/mo
Today · 4.125%
HK$46,484
baseline
▲ 0.50% · 4.625%
HK$49,313
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,968/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,662
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,967
−HK$1,324/mo
Today · 4.125%
HK$51,291
baseline
▲ 0.50% · 4.625%
HK$53,994
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,582/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,638 · Scale 2, in force from 26 Feb 2026)