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$24,164
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,916
−HK$764/mo
Today · 4.125%
HK$25,680
baseline
▲ 0.50% · 4.625%
HK$27,242
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,360/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,882
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,603
−HK$732/mo
Today · 4.125%
HK$28,335
baseline
▲ 0.50% · 4.625%
HK$29,828
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,670/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,997
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,899
−HK$916/mo
Today · 4.125%
HK$30,815
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,630/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,259
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,124
−HK$878/mo
Today · 4.125%
HK$34,002
baseline
▲ 0.50% · 4.625%
HK$35,794
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,004/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,830
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,882
−HK$1,069/mo
Today · 4.125%
HK$35,951
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,902/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,635
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,645
−HK$1,024/mo
Today · 4.125%
HK$39,669
baseline
▲ 0.50% · 4.625%
HK$41,760
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,338/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,496
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,849
−HK$1,374/mo
Today · 4.125%
HK$46,223
baseline
▲ 0.50% · 4.625%
HK$49,036
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,446/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,388
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,686
−HK$1,317/mo
Today · 4.125%
HK$51,003
baseline
▲ 0.50% · 4.625%
HK$53,691
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,006/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,394 · Scale 2, in force from 26 Feb 2026)