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$24,230
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,984
−HK$765/mo
Today · 4.125%
HK$25,749
baseline
▲ 0.50% · 4.625%
HK$27,316
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,498/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,956
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,679
−HK$733/mo
Today · 4.125%
HK$28,412
baseline
▲ 0.50% · 4.625%
HK$29,910
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,824/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,076
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,980
−HK$919/mo
Today · 4.125%
HK$30,899
baseline
▲ 0.50% · 4.625%
HK$32,780
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,798/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,347
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,214
−HK$880/mo
Today · 4.125%
HK$34,094
baseline
▲ 0.50% · 4.625%
HK$35,892
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,188/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,922
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$1,072/mo
Today · 4.125%
HK$36,049
baseline
▲ 0.50% · 4.625%
HK$38,243
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,098/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,738
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,750
−HK$1,027/mo
Today · 4.125%
HK$39,777
baseline
▲ 0.50% · 4.625%
HK$41,873
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,554/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,614
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,971
−HK$1,378/mo
Today · 4.125%
HK$46,349
baseline
▲ 0.50% · 4.625%
HK$49,169
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,698/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,520
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,821
−HK$1,321/mo
Today · 4.125%
HK$51,142
baseline
▲ 0.50% · 4.625%
HK$53,837
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,284/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,476 · Scale 2, in force from 26 Feb 2026)