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$24,183
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$764/mo
Today · 4.125%
HK$25,699
baseline
▲ 0.50% · 4.625%
HK$27,263
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,398/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,903
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$732/mo
Today · 4.125%
HK$28,357
baseline
▲ 0.50% · 4.625%
HK$29,851
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,714/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,019
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,922
−HK$917/mo
Today · 4.125%
HK$30,839
baseline
▲ 0.50% · 4.625%
HK$32,716
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,678/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,284
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,150
−HK$878/mo
Today · 4.125%
HK$34,028
baseline
▲ 0.50% · 4.625%
HK$35,822
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,056/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,856
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,909
−HK$1,070/mo
Today · 4.125%
HK$35,979
baseline
▲ 0.50% · 4.625%
HK$38,168
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,958/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,664
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,675
−HK$1,024/mo
Today · 4.125%
HK$39,699
baseline
▲ 0.50% · 4.625%
HK$41,792
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,398/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,529
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,883
−HK$1,376/mo
Today · 4.125%
HK$46,259
baseline
▲ 0.50% · 4.625%
HK$49,073
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,518/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,426
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,724
−HK$1,318/mo
Today · 4.125%
HK$51,042
baseline
▲ 0.50% · 4.625%
HK$53,732
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,084/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,699 · Scale 2, in force from 26 Feb 2026)