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$24,172
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,924
−HK$764/mo
Today · 4.125%
HK$25,688
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,376/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,891
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,612
−HK$732/mo
Today · 4.125%
HK$28,344
baseline
▲ 0.50% · 4.625%
HK$29,838
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,688/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,006
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,909
−HK$916/mo
Today · 4.125%
HK$30,825
baseline
▲ 0.50% · 4.625%
HK$32,701
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,650/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,269
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,135
−HK$878/mo
Today · 4.125%
HK$34,013
baseline
▲ 0.50% · 4.625%
HK$35,806
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,026/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,841
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,893
−HK$1,070/mo
Today · 4.125%
HK$35,963
baseline
▲ 0.50% · 4.625%
HK$38,151
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,926/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,647
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,657
−HK$1,024/mo
Today · 4.125%
HK$39,681
baseline
▲ 0.50% · 4.625%
HK$41,773
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,362/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,509
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,863
−HK$1,375/mo
Today · 4.125%
HK$46,238
baseline
▲ 0.50% · 4.625%
HK$49,051
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,476/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,404
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,702
−HK$1,317/mo
Today · 4.125%
HK$51,019
baseline
▲ 0.50% · 4.625%
HK$53,708
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,038/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,521 · Scale 2, in force from 26 Feb 2026)