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$24,149
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,900
−HK$763/mo
Today · 4.125%
HK$25,663
baseline
▲ 0.50% · 4.625%
HK$27,224
+HK$1,561/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,326/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,865
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,586
−HK$730/mo
Today · 4.125%
HK$28,316
baseline
▲ 0.50% · 4.625%
HK$29,809
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,632/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,978
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,880
−HK$915/mo
Today · 4.125%
HK$30,795
baseline
▲ 0.50% · 4.625%
HK$32,669
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,590/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,238
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,103
−HK$877/mo
Today · 4.125%
HK$33,980
baseline
▲ 0.50% · 4.625%
HK$35,771
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,960/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,808
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,860
−HK$1,068/mo
Today · 4.125%
HK$35,928
baseline
▲ 0.50% · 4.625%
HK$38,114
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,856/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,611
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,620
−HK$1,023/mo
Today · 4.125%
HK$39,643
baseline
▲ 0.50% · 4.625%
HK$41,733
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,286/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,467
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,819
−HK$1,374/mo
Today · 4.125%
HK$46,193
baseline
▲ 0.50% · 4.625%
HK$49,004
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,386/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,357
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,654
−HK$1,316/mo
Today · 4.125%
HK$50,970
baseline
▲ 0.50% · 4.625%
HK$53,656
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,940/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,136 · Scale 2, in force from 26 Feb 2026)