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$24,205
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,958
−HK$765/mo
Today · 4.125%
HK$25,723
baseline
▲ 0.50% · 4.625%
HK$27,288
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,446/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,928
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,650
−HK$733/mo
Today · 4.125%
HK$28,383
baseline
▲ 0.50% · 4.625%
HK$29,879
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,766/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,046
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,950
−HK$918/mo
Today · 4.125%
HK$30,868
baseline
▲ 0.50% · 4.625%
HK$32,746
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,736/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,314
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,180
−HK$880/mo
Today · 4.125%
HK$34,060
baseline
▲ 0.50% · 4.625%
HK$35,855
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,120/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,887
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,942
−HK$1,070/mo
Today · 4.125%
HK$36,012
baseline
▲ 0.50% · 4.625%
HK$38,204
+HK$2,192/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,024/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,699
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,710
−HK$1,026/mo
Today · 4.125%
HK$39,736
baseline
▲ 0.50% · 4.625%
HK$41,831
+HK$2,095/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,472/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,570
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,925
−HK$1,377/mo
Today · 4.125%
HK$46,302
baseline
▲ 0.50% · 4.625%
HK$49,119
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,604/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,471
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,771
−HK$1,318/mo
Today · 4.125%
HK$51,089
baseline
▲ 0.50% · 4.625%
HK$53,782
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,178/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,069 · Scale 2, in force from 26 Feb 2026)