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$24,298
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,053
−HK$768/mo
Today · 4.125%
HK$25,821
baseline
▲ 0.50% · 4.625%
HK$27,392
+HK$1,571/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,642/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,031
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,756
−HK$735/mo
Today · 4.125%
HK$28,491
baseline
▲ 0.50% · 4.625%
HK$29,993
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,982/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,157
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,064
−HK$922/mo
Today · 4.125%
HK$30,986
baseline
▲ 0.50% · 4.625%
HK$32,871
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,972/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,437
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,307
−HK$882/mo
Today · 4.125%
HK$34,189
baseline
▲ 0.50% · 4.625%
HK$35,992
+HK$1,803/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,378/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,017
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$1,075/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,349
+HK$2,199/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,300/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,843
−HK$2,045/mo
▼ 0.25% · 3.875%
HK$38,858
−HK$1,030/mo
Today · 4.125%
HK$39,888
baseline
▲ 0.50% · 4.625%
HK$41,990
+HK$2,102/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,776/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,736
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,096
−HK$1,382/mo
Today · 4.125%
HK$46,478
baseline
▲ 0.50% · 4.625%
HK$49,306
+HK$2,828/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,956/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,655
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$49,960
−HK$1,324/mo
Today · 4.125%
HK$51,284
baseline
▲ 0.50% · 4.625%
HK$53,987
+HK$2,703/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,568/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,587 · Scale 2, in force from 26 Feb 2026)