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$24,259
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,014
−HK$766/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,349
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,988
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,712
−HK$734/mo
Today · 4.125%
HK$28,446
baseline
▲ 0.50% · 4.625%
HK$29,946
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,892/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,111
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,016
−HK$920/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,819
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,386
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$881/mo
Today · 4.125%
HK$34,135
baseline
▲ 0.50% · 4.625%
HK$35,935
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,270/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,963
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,019
−HK$1,073/mo
Today · 4.125%
HK$36,092
baseline
▲ 0.50% · 4.625%
HK$38,289
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,184/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,783
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,797
−HK$1,028/mo
Today · 4.125%
HK$39,825
baseline
▲ 0.50% · 4.625%
HK$41,924
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,650/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,666
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,025
−HK$1,380/mo
Today · 4.125%
HK$46,405
baseline
▲ 0.50% · 4.625%
HK$49,228
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,810/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,578
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,881
−HK$1,322/mo
Today · 4.125%
HK$51,203
baseline
▲ 0.50% · 4.625%
HK$53,902
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,406/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,954 · Scale 2, in force from 26 Feb 2026)