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$24,154
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,905
−HK$763/mo
Today · 4.125%
HK$25,668
baseline
▲ 0.50% · 4.625%
HK$27,230
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,336/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,871
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,591
−HK$731/mo
Today · 4.125%
HK$28,322
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,644/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,984
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,886
−HK$916/mo
Today · 4.125%
HK$30,802
baseline
▲ 0.50% · 4.625%
HK$32,676
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,604/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,245
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,110
−HK$877/mo
Today · 4.125%
HK$33,987
baseline
▲ 0.50% · 4.625%
HK$35,778
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,974/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,815
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,867
−HK$1,069/mo
Today · 4.125%
HK$35,936
baseline
▲ 0.50% · 4.625%
HK$38,122
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,872/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,619
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,628
−HK$1,023/mo
Today · 4.125%
HK$39,651
baseline
▲ 0.50% · 4.625%
HK$41,741
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,302/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,477
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,829
−HK$1,374/mo
Today · 4.125%
HK$46,203
baseline
▲ 0.50% · 4.625%
HK$49,014
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,406/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,367
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,664
−HK$1,316/mo
Today · 4.125%
HK$50,980
baseline
▲ 0.50% · 4.625%
HK$53,668
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,960/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,219 · Scale 2, in force from 26 Feb 2026)