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$24,201
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,953
−HK$765/mo
Today · 4.125%
HK$25,718
baseline
▲ 0.50% · 4.625%
HK$27,283
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,436/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,923
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,645
−HK$733/mo
Today · 4.125%
HK$28,378
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,495/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,756/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,041
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,944
−HK$918/mo
Today · 4.125%
HK$30,862
baseline
▲ 0.50% · 4.625%
HK$32,740
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,724/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,308
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,174
−HK$879/mo
Today · 4.125%
HK$34,053
baseline
▲ 0.50% · 4.625%
HK$35,848
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,106/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,881
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,935
−HK$1,071/mo
Today · 4.125%
HK$36,006
baseline
▲ 0.50% · 4.625%
HK$38,196
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,012/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,692
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,703
−HK$1,026/mo
Today · 4.125%
HK$39,729
baseline
▲ 0.50% · 4.625%
HK$41,823
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,458/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,561
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,916
−HK$1,377/mo
Today · 4.125%
HK$46,293
baseline
▲ 0.50% · 4.625%
HK$49,110
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,586/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,461
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,761
−HK$1,319/mo
Today · 4.125%
HK$51,080
baseline
▲ 0.50% · 4.625%
HK$53,772
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,160/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,993 · Scale 2, in force from 26 Feb 2026)