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$24,214
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$765/mo
Today · 4.125%
HK$25,733
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,466/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,938
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,661
−HK$733/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$29,890
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,057
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,961
−HK$919/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,758
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,326
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,193
−HK$880/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$35,869
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,900
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,955
−HK$1,071/mo
Today · 4.125%
HK$36,026
baseline
▲ 0.50% · 4.625%
HK$38,218
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,052/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,714
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,725
−HK$1,026/mo
Today · 4.125%
HK$39,751
baseline
▲ 0.50% · 4.625%
HK$41,847
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,502/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,586
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,942
−HK$1,377/mo
Today · 4.125%
HK$46,319
baseline
▲ 0.50% · 4.625%
HK$49,138
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,638/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,489
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,789
−HK$1,320/mo
Today · 4.125%
HK$51,109
baseline
▲ 0.50% · 4.625%
HK$53,803
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,218/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,220 · Scale 2, in force from 26 Feb 2026)