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$24,154
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,906
−HK$763/mo
Today · 4.125%
HK$25,669
baseline
▲ 0.50% · 4.625%
HK$27,231
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,338/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,872
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,592
−HK$731/mo
Today · 4.125%
HK$28,323
baseline
▲ 0.50% · 4.625%
HK$29,816
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,646/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,985
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,887
−HK$916/mo
Today · 4.125%
HK$30,803
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,606/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,246
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,111
−HK$877/mo
Today · 4.125%
HK$33,988
baseline
▲ 0.50% · 4.625%
HK$35,780
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,976/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,816
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,868
−HK$1,069/mo
Today · 4.125%
HK$35,937
baseline
▲ 0.50% · 4.625%
HK$38,123
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,874/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,620
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,629
−HK$1,024/mo
Today · 4.125%
HK$39,653
baseline
▲ 0.50% · 4.625%
HK$41,743
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,306/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,478
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,830
−HK$1,374/mo
Today · 4.125%
HK$46,204
baseline
▲ 0.50% · 4.625%
HK$49,016
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,408/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,369
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,666
−HK$1,316/mo
Today · 4.125%
HK$50,982
baseline
▲ 0.50% · 4.625%
HK$53,669
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,964/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,233 · Scale 2, in force from 26 Feb 2026)