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$24,154
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,905
−HK$764/mo
Today · 4.125%
HK$25,669
baseline
▲ 0.50% · 4.625%
HK$27,231
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,338/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,871
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,592
−HK$731/mo
Today · 4.125%
HK$28,323
baseline
▲ 0.50% · 4.625%
HK$29,816
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,646/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,985
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,886
−HK$917/mo
Today · 4.125%
HK$30,803
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,606/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,245
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,110
−HK$878/mo
Today · 4.125%
HK$33,988
baseline
▲ 0.50% · 4.625%
HK$35,779
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,976/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,816
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,868
−HK$1,068/mo
Today · 4.125%
HK$35,936
baseline
▲ 0.50% · 4.625%
HK$38,123
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,872/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,620
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,629
−HK$1,023/mo
Today · 4.125%
HK$39,652
baseline
▲ 0.50% · 4.625%
HK$41,742
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,304/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,477
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,830
−HK$1,374/mo
Today · 4.125%
HK$46,204
baseline
▲ 0.50% · 4.625%
HK$49,015
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,408/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,368
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,665
−HK$1,316/mo
Today · 4.125%
HK$50,981
baseline
▲ 0.50% · 4.625%
HK$53,669
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,962/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,227 · Scale 2, in force from 26 Feb 2026)