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$24,234
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,988
−HK$766/mo
Today · 4.125%
HK$25,754
baseline
▲ 0.50% · 4.625%
HK$27,321
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,508/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,961
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,684
−HK$733/mo
Today · 4.125%
HK$28,417
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,834/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,081
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,986
−HK$919/mo
Today · 4.125%
HK$30,905
baseline
▲ 0.50% · 4.625%
HK$32,786
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,810/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,353
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,220
−HK$881/mo
Today · 4.125%
HK$34,101
baseline
▲ 0.50% · 4.625%
HK$35,898
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,202/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,984
−HK$1,072/mo
Today · 4.125%
HK$36,056
baseline
▲ 0.50% · 4.625%
HK$38,250
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,112/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,745
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,757
−HK$1,027/mo
Today · 4.125%
HK$39,784
baseline
▲ 0.50% · 4.625%
HK$41,881
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,568/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,622
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,979
−HK$1,379/mo
Today · 4.125%
HK$46,358
baseline
▲ 0.50% · 4.625%
HK$49,178
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,716/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,529
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,831
−HK$1,320/mo
Today · 4.125%
HK$51,151
baseline
▲ 0.50% · 4.625%
HK$53,847
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,302/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,549 · Scale 2, in force from 26 Feb 2026)