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$24,214
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,967
−HK$765/mo
Today · 4.125%
HK$25,732
baseline
▲ 0.50% · 4.625%
HK$27,298
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,464/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,660
−HK$733/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,960
−HK$918/mo
Today · 4.125%
HK$30,878
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,756/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,325
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,192
−HK$879/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$35,867
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,899
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,953
−HK$1,072/mo
Today · 4.125%
HK$36,025
baseline
▲ 0.50% · 4.625%
HK$38,217
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,050/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,712
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,724
−HK$1,026/mo
Today · 4.125%
HK$39,750
baseline
▲ 0.50% · 4.625%
HK$41,845
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,500/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,584
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,940
−HK$1,377/mo
Today · 4.125%
HK$46,317
baseline
▲ 0.50% · 4.625%
HK$49,136
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,634/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,487
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,788
−HK$1,319/mo
Today · 4.125%
HK$51,107
baseline
▲ 0.50% · 4.625%
HK$53,801
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,214/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,204 · Scale 2, in force from 26 Feb 2026)