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$24,161
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,912
−HK$764/mo
Today · 4.125%
HK$25,676
baseline
▲ 0.50% · 4.625%
HK$27,238
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,352/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,878
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,599
−HK$732/mo
Today · 4.125%
HK$28,331
baseline
▲ 0.50% · 4.625%
HK$29,824
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,662/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,993
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,895
−HK$916/mo
Today · 4.125%
HK$30,811
baseline
▲ 0.50% · 4.625%
HK$32,686
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,622/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,254
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,119
−HK$878/mo
Today · 4.125%
HK$33,997
baseline
▲ 0.50% · 4.625%
HK$35,789
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,994/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,825
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,877
−HK$1,069/mo
Today · 4.125%
HK$35,946
baseline
▲ 0.50% · 4.625%
HK$38,133
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,892/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,630
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,639
−HK$1,024/mo
Today · 4.125%
HK$39,663
baseline
▲ 0.50% · 4.625%
HK$41,753
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,326/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,489
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,842
−HK$1,374/mo
Today · 4.125%
HK$46,216
baseline
▲ 0.50% · 4.625%
HK$49,028
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,432/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,381
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,679
−HK$1,316/mo
Today · 4.125%
HK$50,995
baseline
▲ 0.50% · 4.625%
HK$53,683
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$101,990/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,334 · Scale 2, in force from 26 Feb 2026)