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$24,224
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,977
−HK$766/mo
Today · 4.125%
HK$25,743
baseline
▲ 0.50% · 4.625%
HK$27,309
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,486/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,949
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,671
−HK$734/mo
Today · 4.125%
HK$28,405
baseline
▲ 0.50% · 4.625%
HK$29,902
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,810/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,068
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,973
−HK$918/mo
Today · 4.125%
HK$30,891
baseline
▲ 0.50% · 4.625%
HK$32,771
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,782/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,338
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,206
−HK$880/mo
Today · 4.125%
HK$34,086
baseline
▲ 0.50% · 4.625%
HK$35,882
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,172/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,913
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,968
−HK$1,072/mo
Today · 4.125%
HK$36,040
baseline
▲ 0.50% · 4.625%
HK$38,233
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,080/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,728
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,740
−HK$1,026/mo
Today · 4.125%
HK$39,766
baseline
▲ 0.50% · 4.625%
HK$41,863
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,532/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,603
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,959
−HK$1,378/mo
Today · 4.125%
HK$46,337
baseline
▲ 0.50% · 4.625%
HK$49,156
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,674/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,508
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,809
−HK$1,319/mo
Today · 4.125%
HK$51,128
baseline
▲ 0.50% · 4.625%
HK$53,823
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,256/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,372 · Scale 2, in force from 26 Feb 2026)