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$24,223
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$766/mo
Today · 4.125%
HK$25,742
baseline
▲ 0.50% · 4.625%
HK$27,308
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,484/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,948
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$733/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$29,901
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,067
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,971
−HK$919/mo
Today · 4.125%
HK$30,890
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,780/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,337
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,204
−HK$880/mo
Today · 4.125%
HK$34,084
baseline
▲ 0.50% · 4.625%
HK$35,881
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,168/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,967
−HK$1,071/mo
Today · 4.125%
HK$36,038
baseline
▲ 0.50% · 4.625%
HK$38,231
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,076/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,727
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,738
−HK$1,027/mo
Today · 4.125%
HK$39,765
baseline
▲ 0.50% · 4.625%
HK$41,861
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,530/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,601
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,957
−HK$1,378/mo
Today · 4.125%
HK$46,335
baseline
▲ 0.50% · 4.625%
HK$49,154
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,670/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,506
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,806
−HK$1,320/mo
Today · 4.125%
HK$51,126
baseline
▲ 0.50% · 4.625%
HK$53,821
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,252/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,355 · Scale 2, in force from 26 Feb 2026)