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$24,305
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,061
−HK$768/mo
Today · 4.125%
HK$25,829
baseline
▲ 0.50% · 4.625%
HK$27,400
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,658/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,039
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,764
−HK$736/mo
Today · 4.125%
HK$28,500
baseline
▲ 0.50% · 4.625%
HK$30,002
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,000/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,166
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,073
−HK$922/mo
Today · 4.125%
HK$30,995
baseline
▲ 0.50% · 4.625%
HK$32,881
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$61,990/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,446
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,317
−HK$882/mo
Today · 4.125%
HK$34,199
baseline
▲ 0.50% · 4.625%
HK$36,002
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,398/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,027
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,085
−HK$1,075/mo
Today · 4.125%
HK$36,160
baseline
▲ 0.50% · 4.625%
HK$38,361
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,320/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,854
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,869
−HK$1,030/mo
Today · 4.125%
HK$39,899
baseline
▲ 0.50% · 4.625%
HK$42,003
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,798/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,748
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$45,109
−HK$1,383/mo
Today · 4.125%
HK$46,492
baseline
▲ 0.50% · 4.625%
HK$49,321
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,984/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,670
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,975
−HK$1,324/mo
Today · 4.125%
HK$51,299
baseline
▲ 0.50% · 4.625%
HK$54,003
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,598/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,704 · Scale 2, in force from 26 Feb 2026)