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$24,248
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$766/mo
Today · 4.125%
HK$25,768
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,536/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,975
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$734/mo
Today · 4.125%
HK$28,433
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,866/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,097
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,002
−HK$920/mo
Today · 4.125%
HK$30,922
baseline
▲ 0.50% · 4.625%
HK$32,803
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,844/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,370
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,238
−HK$881/mo
Today · 4.125%
HK$34,119
baseline
▲ 0.50% · 4.625%
HK$35,917
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,238/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,947
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$35,002
−HK$1,073/mo
Today · 4.125%
HK$36,075
baseline
▲ 0.50% · 4.625%
HK$38,270
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,150/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,765
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,778
−HK$1,028/mo
Today · 4.125%
HK$39,806
baseline
▲ 0.50% · 4.625%
HK$41,904
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,612/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,646
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,003
−HK$1,380/mo
Today · 4.125%
HK$46,383
baseline
▲ 0.50% · 4.625%
HK$49,205
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,766/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,555
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,857
−HK$1,322/mo
Today · 4.125%
HK$51,179
baseline
▲ 0.50% · 4.625%
HK$53,876
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,358/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,764 · Scale 2, in force from 26 Feb 2026)