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$24,158
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,910
−HK$763/mo
Today · 4.125%
HK$25,673
baseline
▲ 0.50% · 4.625%
HK$27,236
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,346/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,876
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,597
−HK$731/mo
Today · 4.125%
HK$28,328
baseline
▲ 0.50% · 4.625%
HK$29,821
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,656/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,990
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,892
−HK$916/mo
Today · 4.125%
HK$30,808
baseline
▲ 0.50% · 4.625%
HK$32,683
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,616/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,251
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,116
−HK$878/mo
Today · 4.125%
HK$33,994
baseline
▲ 0.50% · 4.625%
HK$35,786
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,988/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,822
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,874
−HK$1,069/mo
Today · 4.125%
HK$35,943
baseline
▲ 0.50% · 4.625%
HK$38,130
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,886/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,627
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,636
−HK$1,023/mo
Today · 4.125%
HK$39,659
baseline
▲ 0.50% · 4.625%
HK$41,750
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,318/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,485
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,838
−HK$1,374/mo
Today · 4.125%
HK$46,212
baseline
▲ 0.50% · 4.625%
HK$49,024
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,424/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,377
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,674
−HK$1,317/mo
Today · 4.125%
HK$50,991
baseline
▲ 0.50% · 4.625%
HK$53,678
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$101,982/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,299 · Scale 2, in force from 26 Feb 2026)