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$24,236
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,990
−HK$766/mo
Today · 4.125%
HK$25,756
baseline
▲ 0.50% · 4.625%
HK$27,324
+HK$1,568/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,512/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,963
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,686
−HK$734/mo
Today · 4.125%
HK$28,420
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,840/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,084
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,988
−HK$920/mo
Today · 4.125%
HK$30,908
baseline
▲ 0.50% · 4.625%
HK$32,788
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,816/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,355
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,223
−HK$880/mo
Today · 4.125%
HK$34,103
baseline
▲ 0.50% · 4.625%
HK$35,901
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,206/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,931
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$1,072/mo
Today · 4.125%
HK$36,059
baseline
▲ 0.50% · 4.625%
HK$38,253
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,118/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,748
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,760
−HK$1,027/mo
Today · 4.125%
HK$39,787
baseline
▲ 0.50% · 4.625%
HK$41,885
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,574/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,626
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,983
−HK$1,378/mo
Today · 4.125%
HK$46,361
baseline
▲ 0.50% · 4.625%
HK$49,182
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,722/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,533
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,835
−HK$1,320/mo
Today · 4.125%
HK$51,155
baseline
▲ 0.50% · 4.625%
HK$53,852
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,310/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,582 · Scale 2, in force from 26 Feb 2026)