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$24,185
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,937
−HK$765/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,266
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,627
−HK$732/mo
Today · 4.125%
HK$28,359
baseline
▲ 0.50% · 4.625%
HK$29,854
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,718/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,022
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,925
−HK$917/mo
Today · 4.125%
HK$30,842
baseline
▲ 0.50% · 4.625%
HK$32,719
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,684/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,287
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,153
−HK$878/mo
Today · 4.125%
HK$34,031
baseline
▲ 0.50% · 4.625%
HK$35,825
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,062/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,859
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,912
−HK$1,070/mo
Today · 4.125%
HK$35,982
baseline
▲ 0.50% · 4.625%
HK$38,172
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,964/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,668
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,678
−HK$1,025/mo
Today · 4.125%
HK$39,703
baseline
▲ 0.50% · 4.625%
HK$41,796
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,406/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,533
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,887
−HK$1,376/mo
Today · 4.125%
HK$46,263
baseline
▲ 0.50% · 4.625%
HK$49,078
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,526/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,430
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,729
−HK$1,318/mo
Today · 4.125%
HK$51,047
baseline
▲ 0.50% · 4.625%
HK$53,738
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,094/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,738 · Scale 2, in force from 26 Feb 2026)