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$24,239
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,993
−HK$766/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,326
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,965
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,689
−HK$733/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$29,921
+HK$1,499/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,087
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,991
−HK$920/mo
Today · 4.125%
HK$30,911
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,822/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,359
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,226
−HK$881/mo
Today · 4.125%
HK$34,107
baseline
▲ 0.50% · 4.625%
HK$35,905
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,214/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,934
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,990
−HK$1,072/mo
Today · 4.125%
HK$36,062
baseline
▲ 0.50% · 4.625%
HK$38,257
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,124/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,752
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,764
−HK$1,027/mo
Today · 4.125%
HK$39,791
baseline
▲ 0.50% · 4.625%
HK$41,889
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,582/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,630
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,987
−HK$1,379/mo
Today · 4.125%
HK$46,366
baseline
▲ 0.50% · 4.625%
HK$49,187
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,732/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,538
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,840
−HK$1,320/mo
Today · 4.125%
HK$51,160
baseline
▲ 0.50% · 4.625%
HK$53,857
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,320/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,621 · Scale 2, in force from 26 Feb 2026)