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$24,173
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,925
−HK$764/mo
Today · 4.125%
HK$25,689
baseline
▲ 0.50% · 4.625%
HK$27,252
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,378/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,893
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$731/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,008
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,910
−HK$917/mo
Today · 4.125%
HK$30,827
baseline
▲ 0.50% · 4.625%
HK$32,703
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,654/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,271
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,136
−HK$879/mo
Today · 4.125%
HK$34,015
baseline
▲ 0.50% · 4.625%
HK$35,807
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,030/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,843
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,895
−HK$1,070/mo
Today · 4.125%
HK$35,965
baseline
▲ 0.50% · 4.625%
HK$38,153
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,930/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,650
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,659
−HK$1,025/mo
Today · 4.125%
HK$39,684
baseline
▲ 0.50% · 4.625%
HK$41,775
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,368/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,512
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,865
−HK$1,375/mo
Today · 4.125%
HK$46,240
baseline
▲ 0.50% · 4.625%
HK$49,054
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,480/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,407
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,705
−HK$1,317/mo
Today · 4.125%
HK$51,022
baseline
▲ 0.50% · 4.625%
HK$53,711
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,044/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,542 · Scale 2, in force from 26 Feb 2026)