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$24,240
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,994
−HK$766/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,967
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,690
−HK$734/mo
Today · 4.125%
HK$28,424
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,848/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,088
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$919/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,793
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$881/mo
Today · 4.125%
HK$34,109
baseline
▲ 0.50% · 4.625%
HK$35,907
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,218/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,936
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,992
−HK$1,072/mo
Today · 4.125%
HK$36,064
baseline
▲ 0.50% · 4.625%
HK$38,259
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,128/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,754
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,766
−HK$1,027/mo
Today · 4.125%
HK$39,793
baseline
▲ 0.50% · 4.625%
HK$41,891
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,586/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,632
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,990
−HK$1,378/mo
Today · 4.125%
HK$46,368
baseline
▲ 0.50% · 4.625%
HK$49,190
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,736/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,541
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,842
−HK$1,321/mo
Today · 4.125%
HK$51,163
baseline
▲ 0.50% · 4.625%
HK$53,860
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,326/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,643 · Scale 2, in force from 26 Feb 2026)