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$24,221
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$765/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$733/mo
Today · 4.125%
HK$28,402
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,804/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$918/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,768
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,335
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$879/mo
Today · 4.125%
HK$34,082
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,164/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$1,071/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$38,229
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,725
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,736
−HK$1,027/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$41,859
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,599
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,378/mo
Today · 4.125%
HK$46,333
baseline
▲ 0.50% · 4.625%
HK$49,152
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,666/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,503
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,804
−HK$1,319/mo
Today · 4.125%
HK$51,123
baseline
▲ 0.50% · 4.625%
HK$53,818
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,246/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,334 · Scale 2, in force from 26 Feb 2026)