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$24,279
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,035
−HK$767/mo
Today · 4.125%
HK$25,802
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,604/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,011
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,735
−HK$735/mo
Today · 4.125%
HK$28,470
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,940/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,135
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,042
−HK$920/mo
Today · 4.125%
HK$30,962
baseline
▲ 0.50% · 4.625%
HK$32,846
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,924/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,413
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,282
−HK$882/mo
Today · 4.125%
HK$34,164
baseline
▲ 0.50% · 4.625%
HK$35,965
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,328/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,991
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,048
−HK$1,075/mo
Today · 4.125%
HK$36,123
baseline
▲ 0.50% · 4.625%
HK$38,321
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,246/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,815
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,829
−HK$1,029/mo
Today · 4.125%
HK$39,858
baseline
▲ 0.50% · 4.625%
HK$41,959
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,716/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,703
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,062
−HK$1,381/mo
Today · 4.125%
HK$46,443
baseline
▲ 0.50% · 4.625%
HK$49,269
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,886/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,619
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$49,923
−HK$1,323/mo
Today · 4.125%
HK$51,246
baseline
▲ 0.50% · 4.625%
HK$53,947
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,492/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,288 · Scale 2, in force from 26 Feb 2026)