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$24,233
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,987
−HK$766/mo
Today · 4.125%
HK$25,753
baseline
▲ 0.50% · 4.625%
HK$27,320
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,506/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,959
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$734/mo
Today · 4.125%
HK$28,416
baseline
▲ 0.50% · 4.625%
HK$29,913
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,832/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,080
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,984
−HK$919/mo
Today · 4.125%
HK$30,903
baseline
▲ 0.50% · 4.625%
HK$32,784
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,806/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,351
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,219
−HK$880/mo
Today · 4.125%
HK$34,099
baseline
▲ 0.50% · 4.625%
HK$35,896
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,198/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,982
−HK$1,072/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$38,248
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,743
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,755
−HK$1,027/mo
Today · 4.125%
HK$39,782
baseline
▲ 0.50% · 4.625%
HK$41,879
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,564/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,620
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$44,976
−HK$1,379/mo
Today · 4.125%
HK$46,355
baseline
▲ 0.50% · 4.625%
HK$49,176
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,710/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,526
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,828
−HK$1,320/mo
Today · 4.125%
HK$51,148
baseline
▲ 0.50% · 4.625%
HK$53,844
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,296/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,526 · Scale 2, in force from 26 Feb 2026)