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$24,232
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,985
−HK$766/mo
Today · 4.125%
HK$25,751
baseline
▲ 0.50% · 4.625%
HK$27,318
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,502/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,957
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,680
−HK$734/mo
Today · 4.125%
HK$28,414
baseline
▲ 0.50% · 4.625%
HK$29,912
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,828/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,078
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,982
−HK$919/mo
Today · 4.125%
HK$30,901
baseline
▲ 0.50% · 4.625%
HK$32,782
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,802/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,349
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,216
−HK$881/mo
Today · 4.125%
HK$34,097
baseline
▲ 0.50% · 4.625%
HK$35,894
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,194/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,924
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,979
−HK$1,073/mo
Today · 4.125%
HK$36,052
baseline
▲ 0.50% · 4.625%
HK$38,245
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,104/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,740
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,753
−HK$1,026/mo
Today · 4.125%
HK$39,779
baseline
▲ 0.50% · 4.625%
HK$41,876
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,558/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,617
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,974
−HK$1,378/mo
Today · 4.125%
HK$46,352
baseline
▲ 0.50% · 4.625%
HK$49,172
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,704/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,523
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,825
−HK$1,320/mo
Today · 4.125%
HK$51,145
baseline
▲ 0.50% · 4.625%
HK$53,841
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,290/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,502 · Scale 2, in force from 26 Feb 2026)