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$24,182
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,934
−HK$764/mo
Today · 4.125%
HK$25,698
baseline
▲ 0.50% · 4.625%
HK$27,262
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,396/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,902
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,624
−HK$732/mo
Today · 4.125%
HK$28,356
baseline
▲ 0.50% · 4.625%
HK$29,850
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,712/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,018
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,921
−HK$917/mo
Today · 4.125%
HK$30,838
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,676/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,283
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,148
−HK$879/mo
Today · 4.125%
HK$34,027
baseline
▲ 0.50% · 4.625%
HK$35,820
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,054/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,855
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,908
−HK$1,070/mo
Today · 4.125%
HK$35,978
baseline
▲ 0.50% · 4.625%
HK$38,167
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,956/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,663
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,673
−HK$1,025/mo
Today · 4.125%
HK$39,698
baseline
▲ 0.50% · 4.625%
HK$41,790
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,396/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,527
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,881
−HK$1,376/mo
Today · 4.125%
HK$46,257
baseline
▲ 0.50% · 4.625%
HK$49,072
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,514/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,424
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,723
−HK$1,317/mo
Today · 4.125%
HK$51,040
baseline
▲ 0.50% · 4.625%
HK$53,730
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,080/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,684 · Scale 2, in force from 26 Feb 2026)