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$24,187
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$765/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,908
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$733/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,024
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,927
−HK$918/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,721
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,289
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,155
−HK$879/mo
Today · 4.125%
HK$34,034
baseline
▲ 0.50% · 4.625%
HK$35,828
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,068/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,862
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,915
−HK$1,070/mo
Today · 4.125%
HK$35,985
baseline
▲ 0.50% · 4.625%
HK$38,175
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,970/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,671
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,681
−HK$1,025/mo
Today · 4.125%
HK$39,706
baseline
▲ 0.50% · 4.625%
HK$41,799
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,412/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,537
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,891
−HK$1,376/mo
Today · 4.125%
HK$46,267
baseline
▲ 0.50% · 4.625%
HK$49,082
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,534/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,434
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,733
−HK$1,318/mo
Today · 4.125%
HK$51,051
baseline
▲ 0.50% · 4.625%
HK$53,742
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,102/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,769 · Scale 2, in force from 26 Feb 2026)