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$24,252
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,006
−HK$766/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,980
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,703
−HK$734/mo
Today · 4.125%
HK$28,437
baseline
▲ 0.50% · 4.625%
HK$29,936
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,874/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,102
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,007
−HK$920/mo
Today · 4.125%
HK$30,927
baseline
▲ 0.50% · 4.625%
HK$32,809
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,854/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,375
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,244
−HK$881/mo
Today · 4.125%
HK$34,125
baseline
▲ 0.50% · 4.625%
HK$35,923
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,250/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,952
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,008
−HK$1,073/mo
Today · 4.125%
HK$36,081
baseline
▲ 0.50% · 4.625%
HK$38,277
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,162/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,771
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,784
−HK$1,028/mo
Today · 4.125%
HK$39,812
baseline
▲ 0.50% · 4.625%
HK$41,911
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,624/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,653
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,011
−HK$1,379/mo
Today · 4.125%
HK$46,390
baseline
▲ 0.50% · 4.625%
HK$49,213
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,780/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,563
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,866
−HK$1,321/mo
Today · 4.125%
HK$51,187
baseline
▲ 0.50% · 4.625%
HK$53,885
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,374/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,829 · Scale 2, in force from 26 Feb 2026)