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$24,152
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$763/mo
Today · 4.125%
HK$25,666
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,332/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,869
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,589
−HK$731/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$29,813
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,982
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,884
−HK$916/mo
Today · 4.125%
HK$30,800
baseline
▲ 0.50% · 4.625%
HK$32,674
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,600/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,242
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,107
−HK$877/mo
Today · 4.125%
HK$33,984
baseline
▲ 0.50% · 4.625%
HK$35,776
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,968/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,813
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$1,069/mo
Today · 4.125%
HK$35,933
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,866/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,616
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,625
−HK$1,024/mo
Today · 4.125%
HK$39,649
baseline
▲ 0.50% · 4.625%
HK$41,738
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,298/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,473
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,826
−HK$1,374/mo
Today · 4.125%
HK$46,200
baseline
▲ 0.50% · 4.625%
HK$49,011
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,400/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,364
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,661
−HK$1,316/mo
Today · 4.125%
HK$50,977
baseline
▲ 0.50% · 4.625%
HK$53,664
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,954/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,191 · Scale 2, in force from 26 Feb 2026)