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$24,186
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,938
−HK$764/mo
Today · 4.125%
HK$25,702
baseline
▲ 0.50% · 4.625%
HK$27,266
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,404/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,906
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,628
−HK$732/mo
Today · 4.125%
HK$28,360
baseline
▲ 0.50% · 4.625%
HK$29,855
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,720/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,023
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$917/mo
Today · 4.125%
HK$30,843
baseline
▲ 0.50% · 4.625%
HK$32,720
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,686/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$878/mo
Today · 4.125%
HK$34,032
baseline
▲ 0.50% · 4.625%
HK$35,826
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,064/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,860
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,913
−HK$1,070/mo
Today · 4.125%
HK$35,983
baseline
▲ 0.50% · 4.625%
HK$38,173
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,966/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,669
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,679
−HK$1,025/mo
Today · 4.125%
HK$39,704
baseline
▲ 0.50% · 4.625%
HK$41,797
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,408/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,534
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,888
−HK$1,376/mo
Today · 4.125%
HK$46,264
baseline
▲ 0.50% · 4.625%
HK$49,079
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,528/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,431
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,730
−HK$1,318/mo
Today · 4.125%
HK$51,048
baseline
▲ 0.50% · 4.625%
HK$53,739
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,096/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,747 · Scale 2, in force from 26 Feb 2026)