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$24,168
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,920
−HK$764/mo
Today · 4.125%
HK$25,684
baseline
▲ 0.50% · 4.625%
HK$27,247
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,368/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,887
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,608
−HK$732/mo
Today · 4.125%
HK$28,340
baseline
▲ 0.50% · 4.625%
HK$29,834
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,680/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,002
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,904
−HK$917/mo
Today · 4.125%
HK$30,821
baseline
▲ 0.50% · 4.625%
HK$32,696
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,642/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,265
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,130
−HK$878/mo
Today · 4.125%
HK$34,008
baseline
▲ 0.50% · 4.625%
HK$35,800
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,016/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,836
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,888
−HK$1,070/mo
Today · 4.125%
HK$35,958
baseline
▲ 0.50% · 4.625%
HK$38,145
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,916/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,642
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,651
−HK$1,025/mo
Today · 4.125%
HK$39,676
baseline
▲ 0.50% · 4.625%
HK$41,767
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,352/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,503
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,856
−HK$1,375/mo
Today · 4.125%
HK$46,231
baseline
▲ 0.50% · 4.625%
HK$49,044
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,462/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,316/mo
Today · 4.125%
HK$51,011
baseline
▲ 0.50% · 4.625%
HK$53,700
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,022/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,462 · Scale 2, in force from 26 Feb 2026)