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$24,175
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,927
−HK$764/mo
Today · 4.125%
HK$25,691
baseline
▲ 0.50% · 4.625%
HK$27,254
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,382/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,895
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,616
−HK$732/mo
Today · 4.125%
HK$28,348
baseline
▲ 0.50% · 4.625%
HK$29,842
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,696/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,010
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,913
−HK$916/mo
Today · 4.125%
HK$30,829
baseline
▲ 0.50% · 4.625%
HK$32,705
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,658/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,274
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,139
−HK$878/mo
Today · 4.125%
HK$34,017
baseline
▲ 0.50% · 4.625%
HK$35,810
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,034/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,845
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,898
−HK$1,070/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$38,156
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,652
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,662
−HK$1,025/mo
Today · 4.125%
HK$39,687
baseline
▲ 0.50% · 4.625%
HK$41,779
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,374/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,515
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,869
−HK$1,375/mo
Today · 4.125%
HK$46,244
baseline
▲ 0.50% · 4.625%
HK$49,058
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,488/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,410
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,709
−HK$1,317/mo
Today · 4.125%
HK$51,026
baseline
▲ 0.50% · 4.625%
HK$53,715
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,052/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,573 · Scale 2, in force from 26 Feb 2026)