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$24,274
−HK$1,522/mo
▼ 0.25% · 3.875%
HK$25,029
−HK$767/mo
Today · 4.125%
HK$25,796
baseline
▲ 0.50% · 4.625%
HK$27,366
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,592/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,005
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,729
−HK$735/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$29,964
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,129
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,035
−HK$921/mo
Today · 4.125%
HK$30,956
baseline
▲ 0.50% · 4.625%
HK$32,839
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,912/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,406
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,275
−HK$881/mo
Today · 4.125%
HK$34,156
baseline
▲ 0.50% · 4.625%
HK$35,957
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,312/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,984
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,041
−HK$1,074/mo
Today · 4.125%
HK$36,115
baseline
▲ 0.50% · 4.625%
HK$38,312
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,230/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,807
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,821
−HK$1,028/mo
Today · 4.125%
HK$39,849
baseline
▲ 0.50% · 4.625%
HK$41,950
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,698/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,693
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,053
−HK$1,380/mo
Today · 4.125%
HK$46,433
baseline
▲ 0.50% · 4.625%
HK$49,259
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,866/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,609
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,912
−HK$1,323/mo
Today · 4.125%
HK$51,235
baseline
▲ 0.50% · 4.625%
HK$53,935
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,470/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,202 · Scale 2, in force from 26 Feb 2026)