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$24,222
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,975
−HK$765/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,669
−HK$733/mo
Today · 4.125%
HK$28,402
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,804/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,066
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,970
−HK$919/mo
Today · 4.125%
HK$30,889
baseline
▲ 0.50% · 4.625%
HK$32,768
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,778/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,335
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$879/mo
Today · 4.125%
HK$34,082
baseline
▲ 0.50% · 4.625%
HK$35,879
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,164/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$1,072/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$38,229
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,725
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,737
−HK$1,026/mo
Today · 4.125%
HK$39,763
baseline
▲ 0.50% · 4.625%
HK$41,859
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,526/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,599
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,955
−HK$1,378/mo
Today · 4.125%
HK$46,333
baseline
▲ 0.50% · 4.625%
HK$49,152
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,666/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,503
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,804
−HK$1,320/mo
Today · 4.125%
HK$51,124
baseline
▲ 0.50% · 4.625%
HK$53,819
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,248/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,337 · Scale 2, in force from 26 Feb 2026)