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$24,264
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,018
−HK$767/mo
Today · 4.125%
HK$25,785
baseline
▲ 0.50% · 4.625%
HK$27,354
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,570/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,993
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,717
−HK$734/mo
Today · 4.125%
HK$28,451
baseline
▲ 0.50% · 4.625%
HK$29,951
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,902/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$399,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,116
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,022
−HK$920/mo
Today · 4.125%
HK$30,942
baseline
▲ 0.50% · 4.625%
HK$32,825
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,884/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,391
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,260
−HK$881/mo
Today · 4.125%
HK$34,141
baseline
▲ 0.50% · 4.625%
HK$35,941
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,282/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$399,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,969
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,026
−HK$1,073/mo
Today · 4.125%
HK$36,099
baseline
▲ 0.50% · 4.625%
HK$38,296
+HK$2,197/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,198/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,790
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,804
−HK$1,028/mo
Today · 4.125%
HK$39,832
baseline
▲ 0.50% · 4.625%
HK$41,931
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,664/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$399,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,674
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$45,033
−HK$1,380/mo
Today · 4.125%
HK$46,413
baseline
▲ 0.50% · 4.625%
HK$49,237
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,826/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,587
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,890
−HK$1,322/mo
Today · 4.125%
HK$51,212
baseline
▲ 0.50% · 4.625%
HK$53,912
+HK$2,700/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,424/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$399,026 · Scale 2, in force from 26 Feb 2026)