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$24,278
−HK$1,523/mo
▼ 0.25% · 3.875%
HK$25,033
−HK$768/mo
Today · 4.125%
HK$25,801
baseline
▲ 0.50% · 4.625%
HK$27,371
+HK$1,570/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,602/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,009
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$27,734
−HK$735/mo
Today · 4.125%
HK$28,469
baseline
▲ 0.50% · 4.625%
HK$29,969
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,938/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,134
−HK$1,827/mo
▼ 0.25% · 3.875%
HK$30,040
−HK$921/mo
Today · 4.125%
HK$30,961
baseline
▲ 0.50% · 4.625%
HK$32,845
+HK$1,884/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$61,922/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,411
−HK$1,751/mo
▼ 0.25% · 3.875%
HK$33,280
−HK$882/mo
Today · 4.125%
HK$34,162
baseline
▲ 0.50% · 4.625%
HK$35,963
+HK$1,801/mo
Deposit HK$4.26M · loan HK$6.39M · min. income ≈ HK$68,324/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,990
−HK$2,131/mo
▼ 0.25% · 3.875%
HK$35,047
−HK$1,074/mo
Today · 4.125%
HK$36,121
baseline
▲ 0.50% · 4.625%
HK$38,319
+HK$2,198/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,242/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,813
−HK$2,043/mo
▼ 0.25% · 3.875%
HK$38,827
−HK$1,029/mo
Today · 4.125%
HK$39,856
baseline
▲ 0.50% · 4.625%
HK$41,957
+HK$2,101/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,712/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,701
−HK$2,740/mo
▼ 0.25% · 3.875%
HK$45,060
−HK$1,381/mo
Today · 4.125%
HK$46,441
baseline
▲ 0.50% · 4.625%
HK$49,267
+HK$2,826/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,882/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,617
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$49,921
−HK$1,322/mo
Today · 4.125%
HK$51,243
baseline
▲ 0.50% · 4.625%
HK$53,944
+HK$2,701/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,486/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,269 · Scale 2, in force from 26 Feb 2026)