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$24,156
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,908
−HK$763/mo
Today · 4.125%
HK$25,671
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,342/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,873
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$731/mo
Today · 4.125%
HK$28,325
baseline
▲ 0.50% · 4.625%
HK$29,818
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,650/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,987
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,889
−HK$916/mo
Today · 4.125%
HK$30,805
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,610/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,248
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,113
−HK$877/mo
Today · 4.125%
HK$33,990
baseline
▲ 0.50% · 4.625%
HK$35,782
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,980/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,819
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,871
−HK$1,068/mo
Today · 4.125%
HK$35,939
baseline
▲ 0.50% · 4.625%
HK$38,126
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,878/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,623
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,632
−HK$1,024/mo
Today · 4.125%
HK$39,656
baseline
▲ 0.50% · 4.625%
HK$41,746
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,312/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,481
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,834
−HK$1,374/mo
Today · 4.125%
HK$46,208
baseline
▲ 0.50% · 4.625%
HK$49,019
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,416/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,372
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,670
−HK$1,316/mo
Today · 4.125%
HK$50,986
baseline
▲ 0.50% · 4.625%
HK$53,673
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,972/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,261 · Scale 2, in force from 26 Feb 2026)