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$24,309
−HK$1,524/mo
▼ 0.25% · 3.875%
HK$25,065
−HK$768/mo
Today · 4.125%
HK$25,833
baseline
▲ 0.50% · 4.625%
HK$27,405
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,666/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,043
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$27,768
−HK$736/mo
Today · 4.125%
HK$28,504
baseline
▲ 0.50% · 4.625%
HK$30,007
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,008/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,170
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,078
−HK$922/mo
Today · 4.125%
HK$31,000
baseline
▲ 0.50% · 4.625%
HK$32,886
+HK$1,886/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$62,000/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,452
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,322
−HK$883/mo
Today · 4.125%
HK$34,205
baseline
▲ 0.50% · 4.625%
HK$36,008
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.40M · min. income ≈ HK$68,410/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,032
−HK$2,134/mo
▼ 0.25% · 3.875%
HK$35,091
−HK$1,075/mo
Today · 4.125%
HK$36,166
baseline
▲ 0.50% · 4.625%
HK$38,367
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,332/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,860
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,876
−HK$1,030/mo
Today · 4.125%
HK$39,906
baseline
▲ 0.50% · 4.625%
HK$42,009
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,812/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,756
−HK$2,743/mo
▼ 0.25% · 3.875%
HK$45,117
−HK$1,382/mo
Today · 4.125%
HK$46,499
baseline
▲ 0.50% · 4.625%
HK$49,329
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,998/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,678
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,983
−HK$1,325/mo
Today · 4.125%
HK$51,308
baseline
▲ 0.50% · 4.625%
HK$54,012
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,616/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,769 · Scale 2, in force from 26 Feb 2026)