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$24,251
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,005
−HK$767/mo
Today · 4.125%
HK$25,772
baseline
▲ 0.50% · 4.625%
HK$27,340
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,544/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,979
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,703
−HK$734/mo
Today · 4.125%
HK$28,437
baseline
▲ 0.50% · 4.625%
HK$29,936
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,874/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,101
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,006
−HK$920/mo
Today · 4.125%
HK$30,926
baseline
▲ 0.50% · 4.625%
HK$32,808
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,852/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,375
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,243
−HK$881/mo
Today · 4.125%
HK$34,124
baseline
▲ 0.50% · 4.625%
HK$35,923
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,248/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,951
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,007
−HK$1,073/mo
Today · 4.125%
HK$36,080
baseline
▲ 0.50% · 4.625%
HK$38,276
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,160/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,771
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,784
−HK$1,027/mo
Today · 4.125%
HK$39,811
baseline
▲ 0.50% · 4.625%
HK$41,910
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,622/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,652
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,010
−HK$1,379/mo
Today · 4.125%
HK$46,389
baseline
▲ 0.50% · 4.625%
HK$49,212
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,778/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,562
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,865
−HK$1,321/mo
Today · 4.125%
HK$51,186
baseline
▲ 0.50% · 4.625%
HK$53,884
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,372/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,821 · Scale 2, in force from 26 Feb 2026)