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$24,167
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$764/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,606
−HK$732/mo
Today · 4.125%
HK$28,338
baseline
▲ 0.50% · 4.625%
HK$29,831
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,676/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,000
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,902
−HK$917/mo
Today · 4.125%
HK$30,819
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,638/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,127
−HK$878/mo
Today · 4.125%
HK$34,005
baseline
▲ 0.50% · 4.625%
HK$35,798
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,010/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,833
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,886
−HK$1,069/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$38,143
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,639
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,649
−HK$1,024/mo
Today · 4.125%
HK$39,673
baseline
▲ 0.50% · 4.625%
HK$41,764
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,346/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,500
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,853
−HK$1,375/mo
Today · 4.125%
HK$46,228
baseline
▲ 0.50% · 4.625%
HK$49,041
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,456/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,393
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,691
−HK$1,317/mo
Today · 4.125%
HK$51,008
baseline
▲ 0.50% · 4.625%
HK$53,697
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,016/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,434 · Scale 2, in force from 26 Feb 2026)