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$24,151
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,903
−HK$763/mo
Today · 4.125%
HK$25,666
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,332/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,868
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,589
−HK$731/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$29,813
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,982
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,883
−HK$916/mo
Today · 4.125%
HK$30,799
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,598/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,242
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,107
−HK$877/mo
Today · 4.125%
HK$33,984
baseline
▲ 0.50% · 4.625%
HK$35,775
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,968/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,812
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$1,068/mo
Today · 4.125%
HK$35,932
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,864/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,616
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,624
−HK$1,024/mo
Today · 4.125%
HK$39,648
baseline
▲ 0.50% · 4.625%
HK$41,738
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,296/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,473
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,825
−HK$1,374/mo
Today · 4.125%
HK$46,199
baseline
▲ 0.50% · 4.625%
HK$49,010
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,398/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,363
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,660
−HK$1,316/mo
Today · 4.125%
HK$50,976
baseline
▲ 0.50% · 4.625%
HK$53,663
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,952/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,184 · Scale 2, in force from 26 Feb 2026)