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$24,287
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,042
−HK$767/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,380
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,018
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,743
−HK$735/mo
Today · 4.125%
HK$28,478
baseline
▲ 0.50% · 4.625%
HK$29,979
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,956/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,144
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,050
−HK$921/mo
Today · 4.125%
HK$30,971
baseline
▲ 0.50% · 4.625%
HK$32,856
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,942/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,422
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,292
−HK$882/mo
Today · 4.125%
HK$34,174
baseline
▲ 0.50% · 4.625%
HK$35,975
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,348/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,001
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,059
−HK$1,074/mo
Today · 4.125%
HK$36,133
baseline
▲ 0.50% · 4.625%
HK$38,332
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,266/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,826
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,840
−HK$1,029/mo
Today · 4.125%
HK$39,869
baseline
▲ 0.50% · 4.625%
HK$41,971
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,738/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,716
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,076
−HK$1,381/mo
Today · 4.125%
HK$46,457
baseline
▲ 0.50% · 4.625%
HK$49,284
+HK$2,827/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,914/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,633
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,938
−HK$1,323/mo
Today · 4.125%
HK$51,261
baseline
▲ 0.50% · 4.625%
HK$53,963
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,522/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,405 · Scale 2, in force from 26 Feb 2026)