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$24,312
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,068
−HK$768/mo
Today · 4.125%
HK$25,836
baseline
▲ 0.50% · 4.625%
HK$27,408
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,672/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,046
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,772
−HK$736/mo
Today · 4.125%
HK$28,508
baseline
▲ 0.50% · 4.625%
HK$30,010
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,016/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,174
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,081
−HK$922/mo
Today · 4.125%
HK$31,003
baseline
▲ 0.50% · 4.625%
HK$32,890
+HK$1,887/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$62,006/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,456
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,326
−HK$883/mo
Today · 4.125%
HK$34,209
baseline
▲ 0.50% · 4.625%
HK$36,012
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,418/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,036
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,095
−HK$1,076/mo
Today · 4.125%
HK$36,171
baseline
▲ 0.50% · 4.625%
HK$38,371
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,342/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,865
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,880
−HK$1,031/mo
Today · 4.125%
HK$39,911
baseline
▲ 0.50% · 4.625%
HK$42,014
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,822/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,761
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,122
−HK$1,383/mo
Today · 4.125%
HK$46,505
baseline
▲ 0.50% · 4.625%
HK$49,335
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,010/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,683
−HK$2,631/mo
▼ 0.25% · 3.875%
HK$49,989
−HK$1,325/mo
Today · 4.125%
HK$51,314
baseline
▲ 0.50% · 4.625%
HK$54,018
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,628/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,817 · Scale 2, in force from 26 Feb 2026)