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$24,175
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,927
−HK$764/mo
Today · 4.125%
HK$25,691
baseline
▲ 0.50% · 4.625%
HK$27,254
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,382/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,894
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$732/mo
Today · 4.125%
HK$28,347
baseline
▲ 0.50% · 4.625%
HK$29,841
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,694/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,009
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,912
−HK$917/mo
Today · 4.125%
HK$30,829
baseline
▲ 0.50% · 4.625%
HK$32,704
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,658/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,273
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,138
−HK$878/mo
Today · 4.125%
HK$34,016
baseline
▲ 0.50% · 4.625%
HK$35,809
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,032/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,844
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,897
−HK$1,070/mo
Today · 4.125%
HK$35,967
baseline
▲ 0.50% · 4.625%
HK$38,155
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,934/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,652
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,661
−HK$1,025/mo
Today · 4.125%
HK$39,686
baseline
▲ 0.50% · 4.625%
HK$41,778
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,372/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,514
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,868
−HK$1,375/mo
Today · 4.125%
HK$46,243
baseline
▲ 0.50% · 4.625%
HK$49,057
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,486/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,409
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,707
−HK$1,317/mo
Today · 4.125%
HK$51,024
baseline
▲ 0.50% · 4.625%
HK$53,714
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,048/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,563 · Scale 2, in force from 26 Feb 2026)