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$24,170
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$764/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,249
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$732/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$29,836
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,684/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,906
−HK$917/mo
Today · 4.125%
HK$30,823
baseline
▲ 0.50% · 4.625%
HK$32,698
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,646/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,267
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,132
−HK$878/mo
Today · 4.125%
HK$34,010
baseline
▲ 0.50% · 4.625%
HK$35,803
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,020/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,838
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,891
−HK$1,069/mo
Today · 4.125%
HK$35,960
baseline
▲ 0.50% · 4.625%
HK$38,148
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,920/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,645
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,024/mo
Today · 4.125%
HK$39,678
baseline
▲ 0.50% · 4.625%
HK$41,770
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,356/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,506
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,375/mo
Today · 4.125%
HK$46,234
baseline
▲ 0.50% · 4.625%
HK$49,048
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,468/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,400
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,698
−HK$1,317/mo
Today · 4.125%
HK$51,015
baseline
▲ 0.50% · 4.625%
HK$53,704
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,030/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,490 · Scale 2, in force from 26 Feb 2026)