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$24,229
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,983
−HK$766/mo
Today · 4.125%
HK$25,749
baseline
▲ 0.50% · 4.625%
HK$27,316
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,498/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,955
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,678
−HK$733/mo
Today · 4.125%
HK$28,411
baseline
▲ 0.50% · 4.625%
HK$29,909
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,822/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,075
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$919/mo
Today · 4.125%
HK$30,899
baseline
▲ 0.50% · 4.625%
HK$32,779
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,798/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,346
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,213
−HK$881/mo
Today · 4.125%
HK$34,094
baseline
▲ 0.50% · 4.625%
HK$35,891
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,188/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,921
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,976
−HK$1,072/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$38,242
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,737
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,749
−HK$1,027/mo
Today · 4.125%
HK$39,776
baseline
▲ 0.50% · 4.625%
HK$41,872
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,552/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,613
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,970
−HK$1,378/mo
Today · 4.125%
HK$46,348
baseline
▲ 0.50% · 4.625%
HK$49,168
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,696/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,519
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,820
−HK$1,320/mo
Today · 4.125%
HK$51,140
baseline
▲ 0.50% · 4.625%
HK$53,836
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,280/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,466 · Scale 2, in force from 26 Feb 2026)