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$24,212
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,965
−HK$765/mo
Today · 4.125%
HK$25,730
baseline
▲ 0.50% · 4.625%
HK$27,296
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,460/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,658
−HK$733/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$29,887
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,055
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,958
−HK$918/mo
Today · 4.125%
HK$30,876
baseline
▲ 0.50% · 4.625%
HK$32,755
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,752/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,323
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,190
−HK$879/mo
Today · 4.125%
HK$34,069
baseline
▲ 0.50% · 4.625%
HK$35,865
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,138/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,897
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,951
−HK$1,072/mo
Today · 4.125%
HK$36,023
baseline
▲ 0.50% · 4.625%
HK$38,214
+HK$2,191/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,046/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,710
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,721
−HK$1,026/mo
Today · 4.125%
HK$39,747
baseline
▲ 0.50% · 4.625%
HK$41,842
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,494/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,582
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,937
−HK$1,378/mo
Today · 4.125%
HK$46,315
baseline
▲ 0.50% · 4.625%
HK$49,133
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,630/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,484
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,785
−HK$1,319/mo
Today · 4.125%
HK$51,104
baseline
▲ 0.50% · 4.625%
HK$53,797
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,208/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,181 · Scale 2, in force from 26 Feb 2026)