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$24,208
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,961
−HK$765/mo
Today · 4.125%
HK$25,726
baseline
▲ 0.50% · 4.625%
HK$27,292
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,452/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,932
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,654
−HK$733/mo
Today · 4.125%
HK$28,387
baseline
▲ 0.50% · 4.625%
HK$29,883
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,774/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,050
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,954
−HK$918/mo
Today · 4.125%
HK$30,872
baseline
▲ 0.50% · 4.625%
HK$32,750
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,744/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,318
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,185
−HK$879/mo
Today · 4.125%
HK$34,064
baseline
▲ 0.50% · 4.625%
HK$35,860
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,128/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,892
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,946
−HK$1,071/mo
Today · 4.125%
HK$36,017
baseline
▲ 0.50% · 4.625%
HK$38,209
+HK$2,192/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,034/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,704
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,715
−HK$1,026/mo
Today · 4.125%
HK$39,741
baseline
▲ 0.50% · 4.625%
HK$41,836
+HK$2,095/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,482/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,575
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,931
−HK$1,377/mo
Today · 4.125%
HK$46,308
baseline
▲ 0.50% · 4.625%
HK$49,125
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,616/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,477
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,777
−HK$1,319/mo
Today · 4.125%
HK$51,096
baseline
▲ 0.50% · 4.625%
HK$53,789
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,192/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,120 · Scale 2, in force from 26 Feb 2026)