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$24,241
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$24,996
−HK$766/mo
Today · 4.125%
HK$25,762
baseline
▲ 0.50% · 4.625%
HK$27,329
+HK$1,567/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,524/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,968
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,692
−HK$733/mo
Today · 4.125%
HK$28,425
baseline
▲ 0.50% · 4.625%
HK$29,924
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,850/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,090
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,995
−HK$919/mo
Today · 4.125%
HK$30,914
baseline
▲ 0.50% · 4.625%
HK$32,795
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,828/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,362
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,230
−HK$881/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$35,909
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,938
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,994
−HK$1,072/mo
Today · 4.125%
HK$36,066
baseline
▲ 0.50% · 4.625%
HK$38,261
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,132/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,756
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,768
−HK$1,028/mo
Today · 4.125%
HK$39,796
baseline
▲ 0.50% · 4.625%
HK$41,893
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,592/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,635
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,992
−HK$1,379/mo
Today · 4.125%
HK$46,371
baseline
▲ 0.50% · 4.625%
HK$49,193
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,742/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,543
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,845
−HK$1,321/mo
Today · 4.125%
HK$51,166
baseline
▲ 0.50% · 4.625%
HK$53,863
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,332/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,664 · Scale 2, in force from 26 Feb 2026)