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$24,213
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,966
−HK$765/mo
Today · 4.125%
HK$25,731
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,462/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,659
−HK$733/mo
Today · 4.125%
HK$28,392
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,784/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,056
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,959
−HK$919/mo
Today · 4.125%
HK$30,878
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,756/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,324
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,191
−HK$880/mo
Today · 4.125%
HK$34,071
baseline
▲ 0.50% · 4.625%
HK$35,866
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,142/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,898
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,953
−HK$1,071/mo
Today · 4.125%
HK$36,024
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,048/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,712
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,723
−HK$1,026/mo
Today · 4.125%
HK$39,749
baseline
▲ 0.50% · 4.625%
HK$41,844
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,498/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,584
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,939
−HK$1,378/mo
Today · 4.125%
HK$46,317
baseline
▲ 0.50% · 4.625%
HK$49,135
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,634/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,486
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,787
−HK$1,319/mo
Today · 4.125%
HK$51,106
baseline
▲ 0.50% · 4.625%
HK$53,800
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,212/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,197 · Scale 2, in force from 26 Feb 2026)