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$24,157
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,909
−HK$763/mo
Today · 4.125%
HK$25,672
baseline
▲ 0.50% · 4.625%
HK$27,234
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,344/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,875
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$731/mo
Today · 4.125%
HK$28,327
baseline
▲ 0.50% · 4.625%
HK$29,820
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,654/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,989
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,890
−HK$917/mo
Today · 4.125%
HK$30,807
baseline
▲ 0.50% · 4.625%
HK$32,681
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,614/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,250
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,115
−HK$877/mo
Today · 4.125%
HK$33,992
baseline
▲ 0.50% · 4.625%
HK$35,784
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,984/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,820
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,872
−HK$1,069/mo
Today · 4.125%
HK$35,941
baseline
▲ 0.50% · 4.625%
HK$38,128
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,882/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,625
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,634
−HK$1,023/mo
Today · 4.125%
HK$39,657
baseline
▲ 0.50% · 4.625%
HK$41,748
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,314/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,483
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,836
−HK$1,374/mo
Today · 4.125%
HK$46,210
baseline
▲ 0.50% · 4.625%
HK$49,022
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,420/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,375
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,672
−HK$1,316/mo
Today · 4.125%
HK$50,988
baseline
▲ 0.50% · 4.625%
HK$53,676
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,976/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,280 · Scale 2, in force from 26 Feb 2026)