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$24,194
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,946
−HK$765/mo
Today · 4.125%
HK$25,711
baseline
▲ 0.50% · 4.625%
HK$27,275
+HK$1,564/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,422/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,915
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,637
−HK$732/mo
Today · 4.125%
HK$28,369
baseline
▲ 0.50% · 4.625%
HK$29,865
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,738/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,032
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,935
−HK$918/mo
Today · 4.125%
HK$30,853
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,706/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,298
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,164
−HK$879/mo
Today · 4.125%
HK$34,043
baseline
▲ 0.50% · 4.625%
HK$35,838
+HK$1,795/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,086/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,871
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,925
−HK$1,070/mo
Today · 4.125%
HK$35,995
baseline
▲ 0.50% · 4.625%
HK$38,185
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,990/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,681
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,692
−HK$1,025/mo
Today · 4.125%
HK$39,717
baseline
▲ 0.50% · 4.625%
HK$41,811
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,434/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,548
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,903
−HK$1,376/mo
Today · 4.125%
HK$46,279
baseline
▲ 0.50% · 4.625%
HK$49,095
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,558/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,447
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,747
−HK$1,318/mo
Today · 4.125%
HK$51,065
baseline
▲ 0.50% · 4.625%
HK$53,756
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,130/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,877 · Scale 2, in force from 26 Feb 2026)