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$24,218
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$765/mo
Today · 4.125%
HK$25,736
baseline
▲ 0.50% · 4.625%
HK$27,302
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,472/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,942
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,664
−HK$733/mo
Today · 4.125%
HK$28,397
baseline
▲ 0.50% · 4.625%
HK$29,894
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,794/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,061
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,965
−HK$919/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,330
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,197
−HK$880/mo
Today · 4.125%
HK$34,077
baseline
▲ 0.50% · 4.625%
HK$35,873
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,154/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,905
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,959
−HK$1,072/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$38,223
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,730
−HK$1,026/mo
Today · 4.125%
HK$39,756
baseline
▲ 0.50% · 4.625%
HK$41,852
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,512/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,592
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,948
−HK$1,377/mo
Today · 4.125%
HK$46,325
baseline
▲ 0.50% · 4.625%
HK$49,144
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,650/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,495
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,796
−HK$1,319/mo
Today · 4.125%
HK$51,115
baseline
▲ 0.50% · 4.625%
HK$53,810
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,230/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,272 · Scale 2, in force from 26 Feb 2026)