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$24,156
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,907
−HK$763/mo
Today · 4.125%
HK$25,670
baseline
▲ 0.50% · 4.625%
HK$27,232
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,340/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,873
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$731/mo
Today · 4.125%
HK$28,325
baseline
▲ 0.50% · 4.625%
HK$29,818
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,650/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,987
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,888
−HK$916/mo
Today · 4.125%
HK$30,804
baseline
▲ 0.50% · 4.625%
HK$32,679
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,608/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,247
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,112
−HK$878/mo
Today · 4.125%
HK$33,990
baseline
▲ 0.50% · 4.625%
HK$35,781
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,980/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,818
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,870
−HK$1,068/mo
Today · 4.125%
HK$35,938
baseline
▲ 0.50% · 4.625%
HK$38,125
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,876/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,622
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,631
−HK$1,024/mo
Today · 4.125%
HK$39,655
baseline
▲ 0.50% · 4.625%
HK$41,745
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,310/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,480
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,832
−HK$1,375/mo
Today · 4.125%
HK$46,207
baseline
▲ 0.50% · 4.625%
HK$49,018
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,414/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,371
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,668
−HK$1,316/mo
Today · 4.125%
HK$50,984
baseline
▲ 0.50% · 4.625%
HK$53,672
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,968/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,251 · Scale 2, in force from 26 Feb 2026)