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$24,195
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,948
−HK$765/mo
Today · 4.125%
HK$25,713
baseline
▲ 0.50% · 4.625%
HK$27,277
+HK$1,564/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,426/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,917
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,639
−HK$732/mo
Today · 4.125%
HK$28,371
baseline
▲ 0.50% · 4.625%
HK$29,867
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,742/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,034
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,937
−HK$918/mo
Today · 4.125%
HK$30,855
baseline
▲ 0.50% · 4.625%
HK$32,733
+HK$1,878/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,710/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,300
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,167
−HK$879/mo
Today · 4.125%
HK$34,046
baseline
▲ 0.50% · 4.625%
HK$35,840
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,092/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,873
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,927
−HK$1,071/mo
Today · 4.125%
HK$35,998
baseline
▲ 0.50% · 4.625%
HK$38,188
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,996/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,684
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,694
−HK$1,026/mo
Today · 4.125%
HK$39,720
baseline
▲ 0.50% · 4.625%
HK$41,813
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,440/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,552
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,906
−HK$1,377/mo
Today · 4.125%
HK$46,283
baseline
▲ 0.50% · 4.625%
HK$49,099
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,566/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,451
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,750
−HK$1,318/mo
Today · 4.125%
HK$51,068
baseline
▲ 0.50% · 4.625%
HK$53,760
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,136/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,904 · Scale 2, in force from 26 Feb 2026)