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$24,187
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,940
−HK$764/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,908
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,630
−HK$732/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$29,857
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,025
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,928
−HK$917/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,722
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,290
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,156
−HK$878/mo
Today · 4.125%
HK$34,034
baseline
▲ 0.50% · 4.625%
HK$35,828
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,068/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,862
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,916
−HK$1,070/mo
Today · 4.125%
HK$35,986
baseline
▲ 0.50% · 4.625%
HK$38,176
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,972/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,672
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,682
−HK$1,025/mo
Today · 4.125%
HK$39,707
baseline
▲ 0.50% · 4.625%
HK$41,800
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,414/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,537
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,892
−HK$1,376/mo
Today · 4.125%
HK$46,268
baseline
▲ 0.50% · 4.625%
HK$49,083
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,536/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,435
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,734
−HK$1,318/mo
Today · 4.125%
HK$51,052
baseline
▲ 0.50% · 4.625%
HK$53,743
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,104/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,776 · Scale 2, in force from 26 Feb 2026)