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$24,164
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,915
−HK$764/mo
Today · 4.125%
HK$25,679
baseline
▲ 0.50% · 4.625%
HK$27,241
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,358/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,882
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,603
−HK$731/mo
Today · 4.125%
HK$28,334
baseline
▲ 0.50% · 4.625%
HK$29,828
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,668/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,996
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,898
−HK$917/mo
Today · 4.125%
HK$30,815
baseline
▲ 0.50% · 4.625%
HK$32,690
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,630/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,258
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,123
−HK$878/mo
Today · 4.125%
HK$34,001
baseline
▲ 0.50% · 4.625%
HK$35,793
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,002/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,829
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$1,070/mo
Today · 4.125%
HK$35,951
baseline
▲ 0.50% · 4.625%
HK$38,138
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,902/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,635
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,644
−HK$1,024/mo
Today · 4.125%
HK$39,668
baseline
▲ 0.50% · 4.625%
HK$41,759
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,336/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,495
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,848
−HK$1,374/mo
Today · 4.125%
HK$46,222
baseline
▲ 0.50% · 4.625%
HK$49,035
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,444/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,387
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,685
−HK$1,317/mo
Today · 4.125%
HK$51,002
baseline
▲ 0.50% · 4.625%
HK$53,690
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,004/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,385 · Scale 2, in force from 26 Feb 2026)