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$24,240
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,994
−HK$766/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,327
+HK$1,567/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,966
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,690
−HK$733/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$29,921
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,088
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,992
−HK$920/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,792
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,227
−HK$881/mo
Today · 4.125%
HK$34,108
baseline
▲ 0.50% · 4.625%
HK$35,906
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,216/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,935
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,991
−HK$1,072/mo
Today · 4.125%
HK$36,063
baseline
▲ 0.50% · 4.625%
HK$38,258
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,126/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,753
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,765
−HK$1,027/mo
Today · 4.125%
HK$39,792
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,584/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,631
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,988
−HK$1,379/mo
Today · 4.125%
HK$46,367
baseline
▲ 0.50% · 4.625%
HK$49,189
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,734/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,539
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,841
−HK$1,321/mo
Today · 4.125%
HK$51,162
baseline
▲ 0.50% · 4.625%
HK$53,859
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,324/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,633 · Scale 2, in force from 26 Feb 2026)