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$24,228
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,981
−HK$766/mo
Today · 4.125%
HK$25,747
baseline
▲ 0.50% · 4.625%
HK$27,314
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,494/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,676
−HK$733/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,073
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,978
−HK$919/mo
Today · 4.125%
HK$30,897
baseline
▲ 0.50% · 4.625%
HK$32,777
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,794/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,344
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,211
−HK$880/mo
Today · 4.125%
HK$34,091
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,182/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,919
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,974
−HK$1,072/mo
Today · 4.125%
HK$36,046
baseline
▲ 0.50% · 4.625%
HK$38,239
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,092/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,735
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,747
−HK$1,026/mo
Today · 4.125%
HK$39,773
baseline
▲ 0.50% · 4.625%
HK$41,870
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,546/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,610
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,967
−HK$1,378/mo
Today · 4.125%
HK$46,345
baseline
▲ 0.50% · 4.625%
HK$49,165
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,690/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,516
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,817
−HK$1,320/mo
Today · 4.125%
HK$51,137
baseline
▲ 0.50% · 4.625%
HK$53,833
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,274/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,440 · Scale 2, in force from 26 Feb 2026)