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$24,200
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,952
−HK$765/mo
Today · 4.125%
HK$25,717
baseline
▲ 0.50% · 4.625%
HK$27,282
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,434/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,922
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,644
−HK$732/mo
Today · 4.125%
HK$28,376
baseline
▲ 0.50% · 4.625%
HK$29,872
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,752/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,039
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,943
−HK$918/mo
Today · 4.125%
HK$30,861
baseline
▲ 0.50% · 4.625%
HK$32,738
+HK$1,877/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,722/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,306
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,173
−HK$879/mo
Today · 4.125%
HK$34,052
baseline
▲ 0.50% · 4.625%
HK$35,846
+HK$1,794/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,104/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,879
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$1,071/mo
Today · 4.125%
HK$36,004
baseline
▲ 0.50% · 4.625%
HK$38,195
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,008/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,690
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,701
−HK$1,026/mo
Today · 4.125%
HK$39,727
baseline
▲ 0.50% · 4.625%
HK$41,821
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,454/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,559
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,914
−HK$1,377/mo
Today · 4.125%
HK$46,291
baseline
▲ 0.50% · 4.625%
HK$49,107
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,582/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,459
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,759
−HK$1,318/mo
Today · 4.125%
HK$51,077
baseline
▲ 0.50% · 4.625%
HK$53,770
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,154/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,975 · Scale 2, in force from 26 Feb 2026)