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$24,250
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,004
−HK$767/mo
Today · 4.125%
HK$25,771
baseline
▲ 0.50% · 4.625%
HK$27,339
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,542/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,978
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,701
−HK$734/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$29,934
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,100
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,005
−HK$920/mo
Today · 4.125%
HK$30,925
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,850/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,373
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,242
−HK$880/mo
Today · 4.125%
HK$34,122
baseline
▲ 0.50% · 4.625%
HK$35,921
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,244/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,950
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,006
−HK$1,073/mo
Today · 4.125%
HK$36,079
baseline
▲ 0.50% · 4.625%
HK$38,274
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,158/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,769
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,782
−HK$1,028/mo
Today · 4.125%
HK$39,810
baseline
▲ 0.50% · 4.625%
HK$41,908
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,620/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,650
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,008
−HK$1,379/mo
Today · 4.125%
HK$46,387
baseline
▲ 0.50% · 4.625%
HK$49,210
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,774/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,560
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,862
−HK$1,322/mo
Today · 4.125%
HK$51,184
baseline
▲ 0.50% · 4.625%
HK$53,882
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,368/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,804 · Scale 2, in force from 26 Feb 2026)