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$24,181
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,934
−HK$764/mo
Today · 4.125%
HK$25,698
baseline
▲ 0.50% · 4.625%
HK$27,261
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,396/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,902
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,623
−HK$732/mo
Today · 4.125%
HK$28,355
baseline
▲ 0.50% · 4.625%
HK$29,850
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,710/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,018
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,920
−HK$917/mo
Today · 4.125%
HK$30,837
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,674/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,282
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$878/mo
Today · 4.125%
HK$34,026
baseline
▲ 0.50% · 4.625%
HK$35,819
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,052/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,854
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,907
−HK$1,070/mo
Today · 4.125%
HK$35,977
baseline
▲ 0.50% · 4.625%
HK$38,166
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,954/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,662
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,672
−HK$1,025/mo
Today · 4.125%
HK$39,697
baseline
▲ 0.50% · 4.625%
HK$41,789
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,394/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,526
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,880
−HK$1,376/mo
Today · 4.125%
HK$46,256
baseline
▲ 0.50% · 4.625%
HK$49,070
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,512/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,423
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,721
−HK$1,318/mo
Today · 4.125%
HK$51,039
baseline
▲ 0.50% · 4.625%
HK$53,729
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,078/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,675 · Scale 2, in force from 26 Feb 2026)