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$24,236
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,990
−HK$766/mo
Today · 4.125%
HK$25,756
baseline
▲ 0.50% · 4.625%
HK$27,323
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,512/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,962
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$734/mo
Today · 4.125%
HK$28,419
baseline
▲ 0.50% · 4.625%
HK$29,917
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,838/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,083
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,988
−HK$919/mo
Today · 4.125%
HK$30,907
baseline
▲ 0.50% · 4.625%
HK$32,787
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,814/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,355
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,222
−HK$881/mo
Today · 4.125%
HK$34,103
baseline
▲ 0.50% · 4.625%
HK$35,900
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,206/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,930
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,986
−HK$1,072/mo
Today · 4.125%
HK$36,058
baseline
▲ 0.50% · 4.625%
HK$38,252
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,116/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,747
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,759
−HK$1,027/mo
Today · 4.125%
HK$39,786
baseline
▲ 0.50% · 4.625%
HK$41,884
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,572/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,625
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,981
−HK$1,379/mo
Today · 4.125%
HK$46,360
baseline
▲ 0.50% · 4.625%
HK$49,181
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,720/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,532
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,833
−HK$1,321/mo
Today · 4.125%
HK$51,154
baseline
▲ 0.50% · 4.625%
HK$53,850
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,308/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,571 · Scale 2, in force from 26 Feb 2026)