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$24,156
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$763/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$732/mo
Today · 4.125%
HK$28,326
baseline
▲ 0.50% · 4.625%
HK$29,819
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,652/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,988
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,889
−HK$916/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,248
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$878/mo
Today · 4.125%
HK$33,991
baseline
▲ 0.50% · 4.625%
HK$35,782
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,982/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,819
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,871
−HK$1,069/mo
Today · 4.125%
HK$35,940
baseline
▲ 0.50% · 4.625%
HK$38,126
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,880/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,623
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,632
−HK$1,024/mo
Today · 4.125%
HK$39,656
baseline
▲ 0.50% · 4.625%
HK$41,746
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,312/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,481
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,834
−HK$1,374/mo
Today · 4.125%
HK$46,208
baseline
▲ 0.50% · 4.625%
HK$49,020
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,416/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,373
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,670
−HK$1,316/mo
Today · 4.125%
HK$50,986
baseline
▲ 0.50% · 4.625%
HK$53,674
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,972/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,264 · Scale 2, in force from 26 Feb 2026)