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$24,194
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$765/mo
Today · 4.125%
HK$25,712
baseline
▲ 0.50% · 4.625%
HK$27,276
+HK$1,564/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,424/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$732/mo
Today · 4.125%
HK$28,370
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,740/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$918/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,731
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,299
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,165
−HK$879/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$35,839
+HK$1,795/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,872
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,926
−HK$1,070/mo
Today · 4.125%
HK$35,996
baseline
▲ 0.50% · 4.625%
HK$38,187
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,992/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,682
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,693
−HK$1,025/mo
Today · 4.125%
HK$39,718
baseline
▲ 0.50% · 4.625%
HK$41,812
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,436/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,550
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,905
−HK$1,376/mo
Today · 4.125%
HK$46,281
baseline
▲ 0.50% · 4.625%
HK$49,097
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,562/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,449
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,748
−HK$1,318/mo
Today · 4.125%
HK$51,066
baseline
▲ 0.50% · 4.625%
HK$53,758
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,132/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,890 · Scale 2, in force from 26 Feb 2026)