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$24,254
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,009
−HK$766/mo
Today · 4.125%
HK$25,775
baseline
▲ 0.50% · 4.625%
HK$27,344
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,550/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,983
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,707
−HK$734/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$29,940
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,105
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,011
−HK$920/mo
Today · 4.125%
HK$30,931
baseline
▲ 0.50% · 4.625%
HK$32,813
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,862/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,379
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,248
−HK$881/mo
Today · 4.125%
HK$34,129
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,258/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,956
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$1,073/mo
Today · 4.125%
HK$36,086
baseline
▲ 0.50% · 4.625%
HK$38,281
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,172/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,776
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,789
−HK$1,028/mo
Today · 4.125%
HK$39,817
baseline
▲ 0.50% · 4.625%
HK$41,916
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,634/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,658
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,016
−HK$1,380/mo
Today · 4.125%
HK$46,396
baseline
▲ 0.50% · 4.625%
HK$49,219
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,792/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,569
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,321/mo
Today · 4.125%
HK$51,193
baseline
▲ 0.50% · 4.625%
HK$53,892
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,386/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,878 · Scale 2, in force from 26 Feb 2026)