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$24,238
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,992
−HK$766/mo
Today · 4.125%
HK$25,758
baseline
▲ 0.50% · 4.625%
HK$27,325
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,516/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,964
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$734/mo
Today · 4.125%
HK$28,421
baseline
▲ 0.50% · 4.625%
HK$29,919
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,842/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,085
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,990
−HK$919/mo
Today · 4.125%
HK$30,909
baseline
▲ 0.50% · 4.625%
HK$32,790
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,818/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,357
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,225
−HK$880/mo
Today · 4.125%
HK$34,105
baseline
▲ 0.50% · 4.625%
HK$35,903
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,210/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,933
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,988
−HK$1,073/mo
Today · 4.125%
HK$36,061
baseline
▲ 0.50% · 4.625%
HK$38,255
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,122/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,750
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,762
−HK$1,027/mo
Today · 4.125%
HK$39,789
baseline
▲ 0.50% · 4.625%
HK$41,887
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,578/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,628
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,985
−HK$1,379/mo
Today · 4.125%
HK$46,364
baseline
▲ 0.50% · 4.625%
HK$49,185
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,728/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,536
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,837
−HK$1,321/mo
Today · 4.125%
HK$51,158
baseline
▲ 0.50% · 4.625%
HK$53,854
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,316/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,602 · Scale 2, in force from 26 Feb 2026)