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$24,315
−HK$1,525/mo
▼ 0.25% · 3.875%
HK$25,072
−HK$768/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,572/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,050
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$27,776
−HK$736/mo
Today · 4.125%
HK$28,512
baseline
▲ 0.50% · 4.625%
HK$30,015
+HK$1,503/mo
Deposit HK$5.33M · loan HK$5.33M · min. income ≈ HK$57,024/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$399,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,178
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$30,086
−HK$922/mo
Today · 4.125%
HK$31,008
baseline
▲ 0.50% · 4.625%
HK$32,895
+HK$1,887/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$62,016/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,461
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$33,331
−HK$883/mo
Today · 4.125%
HK$34,214
baseline
▲ 0.50% · 4.625%
HK$36,018
+HK$1,804/mo
Deposit HK$4.27M · loan HK$6.40M · min. income ≈ HK$68,428/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$399,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,041
−HK$2,135/mo
▼ 0.25% · 3.875%
HK$35,100
−HK$1,076/mo
Today · 4.125%
HK$36,176
baseline
▲ 0.50% · 4.625%
HK$38,377
+HK$2,201/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$72,352/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,871
−HK$2,046/mo
▼ 0.25% · 3.875%
HK$38,886
−HK$1,031/mo
Today · 4.125%
HK$39,917
baseline
▲ 0.50% · 4.625%
HK$42,021
+HK$2,104/mo
Deposit HK$3.20M · loan HK$7.46M · min. income ≈ HK$79,834/mo (50% DSR)
Upfront cash ≈ HK$3.60M (deposit + AVD stamp duty HK$399,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,767
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$45,129
−HK$1,383/mo
Today · 4.125%
HK$46,512
baseline
▲ 0.50% · 4.625%
HK$49,342
+HK$2,830/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$93,024/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,691
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$49,997
−HK$1,324/mo
Today · 4.125%
HK$51,321
baseline
▲ 0.50% · 4.625%
HK$54,027
+HK$2,706/mo
Deposit HK$1.07M · loan HK$9.60M · min. income ≈ HK$102,642/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$399,877 · Scale 2, in force from 26 Feb 2026)