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$24,178
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,930
−HK$764/mo
Today · 4.125%
HK$25,694
baseline
▲ 0.50% · 4.625%
HK$27,257
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,388/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,897
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,619
−HK$732/mo
Today · 4.125%
HK$28,351
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,702/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,013
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,916
−HK$916/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,709
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,277
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,142
−HK$879/mo
Today · 4.125%
HK$34,021
baseline
▲ 0.50% · 4.625%
HK$35,814
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,042/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,849
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,902
−HK$1,069/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$38,160
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,656
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,666
−HK$1,025/mo
Today · 4.125%
HK$39,691
baseline
▲ 0.50% · 4.625%
HK$41,783
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,382/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,520
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,873
−HK$1,376/mo
Today · 4.125%
HK$46,249
baseline
▲ 0.50% · 4.625%
HK$49,063
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,498/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,415
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,714
−HK$1,317/mo
Today · 4.125%
HK$51,031
baseline
▲ 0.50% · 4.625%
HK$53,721
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,062/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,613 · Scale 2, in force from 26 Feb 2026)