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$24,227
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$765/mo
Today · 4.125%
HK$25,746
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,492/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,952
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,675
−HK$734/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,977
−HK$919/mo
Today · 4.125%
HK$30,896
baseline
▲ 0.50% · 4.625%
HK$32,776
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,792/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,343
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,210
−HK$880/mo
Today · 4.125%
HK$34,090
baseline
▲ 0.50% · 4.625%
HK$35,887
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,180/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,918
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,973
−HK$1,072/mo
Today · 4.125%
HK$36,045
baseline
▲ 0.50% · 4.625%
HK$38,238
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,090/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,733
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,745
−HK$1,027/mo
Today · 4.125%
HK$39,772
baseline
▲ 0.50% · 4.625%
HK$41,868
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,544/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,609
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,965
−HK$1,378/mo
Today · 4.125%
HK$46,343
baseline
▲ 0.50% · 4.625%
HK$49,163
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,686/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,514
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,815
−HK$1,320/mo
Today · 4.125%
HK$51,135
baseline
▲ 0.50% · 4.625%
HK$53,831
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,270/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,428 · Scale 2, in force from 26 Feb 2026)