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$24,195
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$765/mo
Today · 4.125%
HK$25,712
baseline
▲ 0.50% · 4.625%
HK$27,276
+HK$1,564/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,424/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$733/mo
Today · 4.125%
HK$28,371
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,495/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,742/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,034
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,937
−HK$917/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,732
+HK$1,878/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,300
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,166
−HK$879/mo
Today · 4.125%
HK$34,045
baseline
▲ 0.50% · 4.625%
HK$35,839
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,090/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,873
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,926
−HK$1,071/mo
Today · 4.125%
HK$35,997
baseline
▲ 0.50% · 4.625%
HK$38,187
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,994/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,683
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,694
−HK$1,025/mo
Today · 4.125%
HK$39,719
baseline
▲ 0.50% · 4.625%
HK$41,813
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,438/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,905
−HK$1,377/mo
Today · 4.125%
HK$46,282
baseline
▲ 0.50% · 4.625%
HK$49,098
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,564/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,450
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,749
−HK$1,318/mo
Today · 4.125%
HK$51,067
baseline
▲ 0.50% · 4.625%
HK$53,759
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,134/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,896 · Scale 2, in force from 26 Feb 2026)