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$24,299
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,054
−HK$768/mo
Today · 4.125%
HK$25,822
baseline
▲ 0.50% · 4.625%
HK$27,394
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,644/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,032
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,757
−HK$735/mo
Today · 4.125%
HK$28,492
baseline
▲ 0.50% · 4.625%
HK$29,994
+HK$1,502/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$56,984/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,158
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$30,065
−HK$922/mo
Today · 4.125%
HK$30,987
baseline
▲ 0.50% · 4.625%
HK$32,872
+HK$1,885/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,974/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,438
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,308
−HK$883/mo
Today · 4.125%
HK$34,191
baseline
▲ 0.50% · 4.625%
HK$35,993
+HK$1,802/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,382/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,018
−HK$2,133/mo
▼ 0.25% · 3.875%
HK$35,076
−HK$1,075/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,351
+HK$2,200/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,845
−HK$2,044/mo
▼ 0.25% · 3.875%
HK$38,860
−HK$1,029/mo
Today · 4.125%
HK$39,889
baseline
▲ 0.50% · 4.625%
HK$41,992
+HK$2,103/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,778/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,738
−HK$2,742/mo
▼ 0.25% · 3.875%
HK$45,098
−HK$1,382/mo
Today · 4.125%
HK$46,480
baseline
▲ 0.50% · 4.625%
HK$49,309
+HK$2,829/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$92,960/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,658
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$49,963
−HK$1,323/mo
Today · 4.125%
HK$51,286
baseline
▲ 0.50% · 4.625%
HK$53,990
+HK$2,704/mo
Deposit HK$1.07M · loan HK$9.59M · min. income ≈ HK$102,572/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,605 · Scale 2, in force from 26 Feb 2026)