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$24,206
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,959
−HK$765/mo
Today · 4.125%
HK$25,724
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,448/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,929
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,651
−HK$733/mo
Today · 4.125%
HK$28,384
baseline
▲ 0.50% · 4.625%
HK$29,880
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,768/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,048
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,951
−HK$918/mo
Today · 4.125%
HK$30,869
baseline
▲ 0.50% · 4.625%
HK$32,747
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,738/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,315
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$879/mo
Today · 4.125%
HK$34,061
baseline
▲ 0.50% · 4.625%
HK$35,856
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,122/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,889
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,943
−HK$1,071/mo
Today · 4.125%
HK$36,014
baseline
▲ 0.50% · 4.625%
HK$38,205
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,028/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,701
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,712
−HK$1,026/mo
Today · 4.125%
HK$39,738
baseline
▲ 0.50% · 4.625%
HK$41,832
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,476/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,571
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,927
−HK$1,377/mo
Today · 4.125%
HK$46,304
baseline
▲ 0.50% · 4.625%
HK$49,121
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,608/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,473
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,773
−HK$1,319/mo
Today · 4.125%
HK$51,092
baseline
▲ 0.50% · 4.625%
HK$53,785
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,184/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,086 · Scale 2, in force from 26 Feb 2026)