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$24,253
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,007
−HK$766/mo
Today · 4.125%
HK$25,773
baseline
▲ 0.50% · 4.625%
HK$27,342
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,546/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,704
−HK$734/mo
Today · 4.125%
HK$28,438
baseline
▲ 0.50% · 4.625%
HK$29,938
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,876/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,103
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,008
−HK$920/mo
Today · 4.125%
HK$30,928
baseline
▲ 0.50% · 4.625%
HK$32,810
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,856/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,377
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,245
−HK$881/mo
Today · 4.125%
HK$34,126
baseline
▲ 0.50% · 4.625%
HK$35,925
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,252/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,010
−HK$1,073/mo
Today · 4.125%
HK$36,083
baseline
▲ 0.50% · 4.625%
HK$38,278
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,166/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,773
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,786
−HK$1,028/mo
Today · 4.125%
HK$39,814
baseline
▲ 0.50% · 4.625%
HK$41,913
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,628/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,655
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,013
−HK$1,379/mo
Today · 4.125%
HK$46,392
baseline
▲ 0.50% · 4.625%
HK$49,215
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,784/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,565
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,868
−HK$1,321/mo
Today · 4.125%
HK$51,189
baseline
▲ 0.50% · 4.625%
HK$53,888
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,378/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,848 · Scale 2, in force from 26 Feb 2026)