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$24,153
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,904
−HK$764/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,229
+HK$1,561/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,870
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,591
−HK$731/mo
Today · 4.125%
HK$28,322
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,644/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,984
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,885
−HK$916/mo
Today · 4.125%
HK$30,801
baseline
▲ 0.50% · 4.625%
HK$32,675
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,602/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,244
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,109
−HK$877/mo
Today · 4.125%
HK$33,986
baseline
▲ 0.50% · 4.625%
HK$35,777
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,972/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,814
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,866
−HK$1,069/mo
Today · 4.125%
HK$35,935
baseline
▲ 0.50% · 4.625%
HK$38,121
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,870/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,618
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,627
−HK$1,023/mo
Today · 4.125%
HK$39,650
baseline
▲ 0.50% · 4.625%
HK$41,740
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,300/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,475
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,828
−HK$1,374/mo
Today · 4.125%
HK$46,202
baseline
▲ 0.50% · 4.625%
HK$49,013
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,404/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,366
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,663
−HK$1,316/mo
Today · 4.125%
HK$50,979
baseline
▲ 0.50% · 4.625%
HK$53,666
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,958/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,209 · Scale 2, in force from 26 Feb 2026)