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$24,171
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,923
−HK$763/mo
Today · 4.125%
HK$25,686
baseline
▲ 0.50% · 4.625%
HK$27,249
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,372/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,890
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,611
−HK$731/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$29,836
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,684/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,005
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,907
−HK$917/mo
Today · 4.125%
HK$30,824
baseline
▲ 0.50% · 4.625%
HK$32,699
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,648/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,268
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,133
−HK$878/mo
Today · 4.125%
HK$34,011
baseline
▲ 0.50% · 4.625%
HK$35,804
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,022/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,839
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,892
−HK$1,069/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$38,149
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,646
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,655
−HK$1,024/mo
Today · 4.125%
HK$39,679
baseline
▲ 0.50% · 4.625%
HK$41,771
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,358/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,507
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,861
−HK$1,375/mo
Today · 4.125%
HK$46,236
baseline
▲ 0.50% · 4.625%
HK$49,049
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,472/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,401
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,700
−HK$1,316/mo
Today · 4.125%
HK$51,016
baseline
▲ 0.50% · 4.625%
HK$53,706
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,032/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,500 · Scale 2, in force from 26 Feb 2026)