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$24,275
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,030
−HK$767/mo
Today · 4.125%
HK$25,797
baseline
▲ 0.50% · 4.625%
HK$27,367
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,594/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,006
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,730
−HK$735/mo
Today · 4.125%
HK$28,465
baseline
▲ 0.50% · 4.625%
HK$29,965
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,930/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,130
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,036
−HK$921/mo
Today · 4.125%
HK$30,957
baseline
▲ 0.50% · 4.625%
HK$32,840
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,914/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,407
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,276
−HK$882/mo
Today · 4.125%
HK$34,158
baseline
▲ 0.50% · 4.625%
HK$35,958
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,316/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,985
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,042
−HK$1,074/mo
Today · 4.125%
HK$36,116
baseline
▲ 0.50% · 4.625%
HK$38,314
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,232/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,808
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,822
−HK$1,028/mo
Today · 4.125%
HK$39,850
baseline
▲ 0.50% · 4.625%
HK$41,951
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,700/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,695
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,054
−HK$1,381/mo
Today · 4.125%
HK$46,435
baseline
▲ 0.50% · 4.625%
HK$49,260
+HK$2,825/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,870/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,610
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,914
−HK$1,322/mo
Today · 4.125%
HK$51,236
baseline
▲ 0.50% · 4.625%
HK$53,937
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,472/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,213 · Scale 2, in force from 26 Feb 2026)