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$24,194
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,947
−HK$764/mo
Today · 4.125%
HK$25,711
baseline
▲ 0.50% · 4.625%
HK$27,276
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,422/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,638
−HK$732/mo
Today · 4.125%
HK$28,370
baseline
▲ 0.50% · 4.625%
HK$29,865
+HK$1,495/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,740/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,033
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,936
−HK$918/mo
Today · 4.125%
HK$30,854
baseline
▲ 0.50% · 4.625%
HK$32,731
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,708/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,299
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,165
−HK$879/mo
Today · 4.125%
HK$34,044
baseline
▲ 0.50% · 4.625%
HK$35,838
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,088/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,872
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,925
−HK$1,071/mo
Today · 4.125%
HK$35,996
baseline
▲ 0.50% · 4.625%
HK$38,186
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,992/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,682
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,693
−HK$1,025/mo
Today · 4.125%
HK$39,718
baseline
▲ 0.50% · 4.625%
HK$41,811
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,436/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,549
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,904
−HK$1,376/mo
Today · 4.125%
HK$46,280
baseline
▲ 0.50% · 4.625%
HK$49,096
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,560/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,448
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,748
−HK$1,318/mo
Today · 4.125%
HK$51,066
baseline
▲ 0.50% · 4.625%
HK$53,758
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,132/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,885 · Scale 2, in force from 26 Feb 2026)