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$24,165
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,917
−HK$763/mo
Today · 4.125%
HK$25,680
baseline
▲ 0.50% · 4.625%
HK$27,243
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,360/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,883
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,604
−HK$732/mo
Today · 4.125%
HK$28,336
baseline
▲ 0.50% · 4.625%
HK$29,829
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,672/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,998
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,900
−HK$916/mo
Today · 4.125%
HK$30,816
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,632/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,260
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,125
−HK$878/mo
Today · 4.125%
HK$34,003
baseline
▲ 0.50% · 4.625%
HK$35,795
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,006/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,831
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,883
−HK$1,069/mo
Today · 4.125%
HK$35,952
baseline
▲ 0.50% · 4.625%
HK$38,140
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,904/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,636
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,646
−HK$1,024/mo
Today · 4.125%
HK$39,670
baseline
▲ 0.50% · 4.625%
HK$41,761
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,340/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,497
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,850
−HK$1,374/mo
Today · 4.125%
HK$46,224
baseline
▲ 0.50% · 4.625%
HK$49,037
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,448/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,390
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,688
−HK$1,316/mo
Today · 4.125%
HK$51,004
baseline
▲ 0.50% · 4.625%
HK$53,693
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,008/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,404 · Scale 2, in force from 26 Feb 2026)