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$24,192
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,944
−HK$765/mo
Today · 4.125%
HK$25,709
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,418/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,913
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$732/mo
Today · 4.125%
HK$28,367
baseline
▲ 0.50% · 4.625%
HK$29,863
+HK$1,496/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,734/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,030
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,933
−HK$918/mo
Today · 4.125%
HK$30,851
baseline
▲ 0.50% · 4.625%
HK$32,728
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,702/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,296
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,162
−HK$879/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$35,835
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,869
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,922
−HK$1,071/mo
Today · 4.125%
HK$35,993
baseline
▲ 0.50% · 4.625%
HK$38,183
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,986/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,679
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,689
−HK$1,025/mo
Today · 4.125%
HK$39,714
baseline
▲ 0.50% · 4.625%
HK$41,808
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,428/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,546
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,900
−HK$1,376/mo
Today · 4.125%
HK$46,276
baseline
▲ 0.50% · 4.625%
HK$49,092
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,552/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,444
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,743
−HK$1,318/mo
Today · 4.125%
HK$51,061
baseline
▲ 0.50% · 4.625%
HK$53,753
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,122/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,850 · Scale 2, in force from 26 Feb 2026)