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$24,162
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$764/mo
Today · 4.125%
HK$25,677
baseline
▲ 0.50% · 4.625%
HK$27,239
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,354/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,880
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$731/mo
Today · 4.125%
HK$28,332
baseline
▲ 0.50% · 4.625%
HK$29,825
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,664/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,994
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,896
−HK$916/mo
Today · 4.125%
HK$30,812
baseline
▲ 0.50% · 4.625%
HK$32,687
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,624/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,256
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,121
−HK$877/mo
Today · 4.125%
HK$33,998
baseline
▲ 0.50% · 4.625%
HK$35,791
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,996/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,827
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,879
−HK$1,069/mo
Today · 4.125%
HK$35,948
baseline
▲ 0.50% · 4.625%
HK$38,135
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,896/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,632
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,641
−HK$1,024/mo
Today · 4.125%
HK$39,665
baseline
▲ 0.50% · 4.625%
HK$41,756
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,330/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,491
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,844
−HK$1,375/mo
Today · 4.125%
HK$46,219
baseline
▲ 0.50% · 4.625%
HK$49,031
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,438/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,384
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,681
−HK$1,317/mo
Today · 4.125%
HK$50,998
baseline
▲ 0.50% · 4.625%
HK$53,686
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$101,996/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,355 · Scale 2, in force from 26 Feb 2026)