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$24,284
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,039
−HK$767/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,377
+HK$1,571/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,015
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,740
−HK$735/mo
Today · 4.125%
HK$28,475
baseline
▲ 0.50% · 4.625%
HK$29,976
+HK$1,501/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,950/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,140
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$30,047
−HK$921/mo
Today · 4.125%
HK$30,968
baseline
▲ 0.50% · 4.625%
HK$32,852
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,936/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,418
−HK$1,752/mo
▼ 0.25% · 3.875%
HK$33,288
−HK$882/mo
Today · 4.125%
HK$34,170
baseline
▲ 0.50% · 4.625%
HK$35,971
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,340/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$2,132/mo
▼ 0.25% · 3.875%
HK$35,054
−HK$1,075/mo
Today · 4.125%
HK$36,129
baseline
▲ 0.50% · 4.625%
HK$38,327
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,258/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,821
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,836
−HK$1,029/mo
Today · 4.125%
HK$39,865
baseline
▲ 0.50% · 4.625%
HK$41,966
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,730/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,710
−HK$2,741/mo
▼ 0.25% · 3.875%
HK$45,070
−HK$1,381/mo
Today · 4.125%
HK$46,451
baseline
▲ 0.50% · 4.625%
HK$49,278
+HK$2,827/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,902/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,627
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,931
−HK$1,324/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$53,956
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,510/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,356 · Scale 2, in force from 26 Feb 2026)