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$24,180
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,932
−HK$764/mo
Today · 4.125%
HK$25,696
baseline
▲ 0.50% · 4.625%
HK$27,260
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,392/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,900
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,621
−HK$732/mo
Today · 4.125%
HK$28,353
baseline
▲ 0.50% · 4.625%
HK$29,848
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,706/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,016
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,918
−HK$917/mo
Today · 4.125%
HK$30,835
baseline
▲ 0.50% · 4.625%
HK$32,712
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,670/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,280
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,145
−HK$879/mo
Today · 4.125%
HK$34,024
baseline
▲ 0.50% · 4.625%
HK$35,817
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,048/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,852
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,905
−HK$1,069/mo
Today · 4.125%
HK$35,974
baseline
▲ 0.50% · 4.625%
HK$38,163
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,948/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,660
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,670
−HK$1,024/mo
Today · 4.125%
HK$39,694
baseline
▲ 0.50% · 4.625%
HK$41,787
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,388/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,524
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,877
−HK$1,376/mo
Today · 4.125%
HK$46,253
baseline
▲ 0.50% · 4.625%
HK$49,067
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,506/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,420
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,718
−HK$1,317/mo
Today · 4.125%
HK$51,035
baseline
▲ 0.50% · 4.625%
HK$53,726
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,070/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,649 · Scale 2, in force from 26 Feb 2026)