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$24,290
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,045
−HK$768/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,384
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,022
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$735/mo
Today · 4.125%
HK$28,482
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,501/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,964/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,148
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,054
−HK$922/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,860
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,427
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,296
−HK$882/mo
Today · 4.125%
HK$34,178
baseline
▲ 0.50% · 4.625%
HK$35,980
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,356/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,006
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,063
−HK$1,075/mo
Today · 4.125%
HK$36,138
baseline
▲ 0.50% · 4.625%
HK$38,337
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,276/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,831
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,846
−HK$1,029/mo
Today · 4.125%
HK$39,875
baseline
▲ 0.50% · 4.625%
HK$41,977
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,750/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,722
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,082
−HK$1,381/mo
Today · 4.125%
HK$46,463
baseline
▲ 0.50% · 4.625%
HK$49,291
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,926/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,459 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,640
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,944
−HK$1,324/mo
Today · 4.125%
HK$51,268
baseline
▲ 0.50% · 4.625%
HK$53,970
+HK$2,702/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,536/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,459 · Scale 2, in force from 26 Feb 2026)