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$24,230
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,984
−HK$766/mo
Today · 4.125%
HK$25,750
baseline
▲ 0.50% · 4.625%
HK$27,317
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,500/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,956
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,679
−HK$733/mo
Today · 4.125%
HK$28,412
baseline
▲ 0.50% · 4.625%
HK$29,910
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,824/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,076
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,981
−HK$919/mo
Today · 4.125%
HK$30,900
baseline
▲ 0.50% · 4.625%
HK$32,780
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,800/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,347
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,215
−HK$880/mo
Today · 4.125%
HK$34,095
baseline
▲ 0.50% · 4.625%
HK$35,892
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,190/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,922
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,978
−HK$1,072/mo
Today · 4.125%
HK$36,050
baseline
▲ 0.50% · 4.625%
HK$38,243
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,100/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,738
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,751
−HK$1,026/mo
Today · 4.125%
HK$39,777
baseline
▲ 0.50% · 4.625%
HK$41,874
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,554/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,615
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,971
−HK$1,379/mo
Today · 4.125%
HK$46,350
baseline
▲ 0.50% · 4.625%
HK$49,170
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,700/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,521
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,822
−HK$1,320/mo
Today · 4.125%
HK$51,142
baseline
▲ 0.50% · 4.625%
HK$53,838
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,284/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,481 · Scale 2, in force from 26 Feb 2026)