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$24,181
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,933
−HK$764/mo
Today · 4.125%
HK$25,697
baseline
▲ 0.50% · 4.625%
HK$27,261
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,394/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,901
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,622
−HK$732/mo
Today · 4.125%
HK$28,354
baseline
▲ 0.50% · 4.625%
HK$29,849
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,708/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,017
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,919
−HK$917/mo
Today · 4.125%
HK$30,836
baseline
▲ 0.50% · 4.625%
HK$32,713
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,672/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,281
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,147
−HK$878/mo
Today · 4.125%
HK$34,025
baseline
▲ 0.50% · 4.625%
HK$35,818
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,050/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,853
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,906
−HK$1,070/mo
Today · 4.125%
HK$35,976
baseline
▲ 0.50% · 4.625%
HK$38,165
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,952/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,661
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,671
−HK$1,025/mo
Today · 4.125%
HK$39,696
baseline
▲ 0.50% · 4.625%
HK$41,788
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,392/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,525
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,879
−HK$1,375/mo
Today · 4.125%
HK$46,254
baseline
▲ 0.50% · 4.625%
HK$49,069
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,508/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,421
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,720
−HK$1,317/mo
Today · 4.125%
HK$51,037
baseline
▲ 0.50% · 4.625%
HK$53,728
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,074/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,663 · Scale 2, in force from 26 Feb 2026)