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$24,241
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,995
−HK$766/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,567/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,968
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$734/mo
Today · 4.125%
HK$28,425
baseline
▲ 0.50% · 4.625%
HK$29,923
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,850/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,089
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,994
−HK$919/mo
Today · 4.125%
HK$30,913
baseline
▲ 0.50% · 4.625%
HK$32,794
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,826/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,361
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,229
−HK$880/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$35,907
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,937
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,993
−HK$1,072/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$38,260
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,130/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,767
−HK$1,027/mo
Today · 4.125%
HK$39,794
baseline
▲ 0.50% · 4.625%
HK$41,892
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,588/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,633
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$44,991
−HK$1,379/mo
Today · 4.125%
HK$46,370
baseline
▲ 0.50% · 4.625%
HK$49,191
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,740/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,542
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,843
−HK$1,321/mo
Today · 4.125%
HK$51,164
baseline
▲ 0.50% · 4.625%
HK$53,861
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,328/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,652 · Scale 2, in force from 26 Feb 2026)