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$24,204
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,957
−HK$765/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,287
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,927
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,649
−HK$732/mo
Today · 4.125%
HK$28,381
baseline
▲ 0.50% · 4.625%
HK$29,877
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,762/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,045
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,948
−HK$918/mo
Today · 4.125%
HK$30,866
baseline
▲ 0.50% · 4.625%
HK$32,744
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,732/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,312
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,178
−HK$880/mo
Today · 4.125%
HK$34,058
baseline
▲ 0.50% · 4.625%
HK$35,853
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,116/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,885
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,939
−HK$1,071/mo
Today · 4.125%
HK$36,010
baseline
▲ 0.50% · 4.625%
HK$38,202
+HK$2,192/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,020/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,697
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,708
−HK$1,026/mo
Today · 4.125%
HK$39,734
baseline
▲ 0.50% · 4.625%
HK$41,828
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,468/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,567
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,922
−HK$1,377/mo
Today · 4.125%
HK$46,299
baseline
▲ 0.50% · 4.625%
HK$49,116
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,598/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,468
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,768
−HK$1,318/mo
Today · 4.125%
HK$51,086
baseline
▲ 0.50% · 4.625%
HK$53,779
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,172/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,046 · Scale 2, in force from 26 Feb 2026)