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$24,215
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,968
−HK$766/mo
Today · 4.125%
HK$25,734
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,468/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,939
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,662
−HK$732/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,058
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,962
−HK$918/mo
Today · 4.125%
HK$30,880
baseline
▲ 0.50% · 4.625%
HK$32,759
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,760/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,327
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,194
−HK$879/mo
Today · 4.125%
HK$34,073
baseline
▲ 0.50% · 4.625%
HK$35,869
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,146/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,901
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,956
−HK$1,071/mo
Today · 4.125%
HK$36,027
baseline
▲ 0.50% · 4.625%
HK$38,219
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,054/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,715
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,726
−HK$1,026/mo
Today · 4.125%
HK$39,752
baseline
▲ 0.50% · 4.625%
HK$41,848
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,504/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,587
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,943
−HK$1,377/mo
Today · 4.125%
HK$46,320
baseline
▲ 0.50% · 4.625%
HK$49,139
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,640/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,490
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,319/mo
Today · 4.125%
HK$51,110
baseline
▲ 0.50% · 4.625%
HK$53,804
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,220/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,230 · Scale 2, in force from 26 Feb 2026)