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$24,177
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,929
−HK$764/mo
Today · 4.125%
HK$25,693
baseline
▲ 0.50% · 4.625%
HK$27,256
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,386/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,896
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$731/mo
Today · 4.125%
HK$28,349
baseline
▲ 0.50% · 4.625%
HK$29,844
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,698/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,012
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,915
−HK$916/mo
Today · 4.125%
HK$30,831
baseline
▲ 0.50% · 4.625%
HK$32,707
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,662/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,276
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,141
−HK$878/mo
Today · 4.125%
HK$34,019
baseline
▲ 0.50% · 4.625%
HK$35,813
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,038/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,847
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$1,070/mo
Today · 4.125%
HK$35,970
baseline
▲ 0.50% · 4.625%
HK$38,159
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,940/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,655
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,665
−HK$1,024/mo
Today · 4.125%
HK$39,689
baseline
▲ 0.50% · 4.625%
HK$41,781
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,378/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,518
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,872
−HK$1,375/mo
Today · 4.125%
HK$46,247
baseline
▲ 0.50% · 4.625%
HK$49,061
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,494/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,413
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,712
−HK$1,317/mo
Today · 4.125%
HK$51,029
baseline
▲ 0.50% · 4.625%
HK$53,719
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,058/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,599 · Scale 2, in force from 26 Feb 2026)