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$24,302
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,058
−HK$768/mo
Today · 4.125%
HK$25,826
baseline
▲ 0.50% · 4.625%
HK$27,398
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,652/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,036
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,761
−HK$736/mo
Today · 4.125%
HK$28,497
baseline
▲ 0.50% · 4.625%
HK$29,999
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,994/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,163
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,070
−HK$922/mo
Today · 4.125%
HK$30,992
baseline
▲ 0.50% · 4.625%
HK$32,877
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,984/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,443
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,314
−HK$882/mo
Today · 4.125%
HK$34,196
baseline
▲ 0.50% · 4.625%
HK$35,999
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,392/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,023
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,082
−HK$1,075/mo
Today · 4.125%
HK$36,157
baseline
▲ 0.50% · 4.625%
HK$38,357
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,314/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,851
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,866
−HK$1,030/mo
Today · 4.125%
HK$39,896
baseline
▲ 0.50% · 4.625%
HK$41,999
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,792/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,744
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,105
−HK$1,383/mo
Today · 4.125%
HK$46,488
baseline
▲ 0.50% · 4.625%
HK$49,316
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,976/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,665
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,970
−HK$1,324/mo
Today · 4.125%
HK$51,294
baseline
▲ 0.50% · 4.625%
HK$53,998
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,588/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,667 · Scale 2, in force from 26 Feb 2026)