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$24,145
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,896
−HK$763/mo
Today · 4.125%
HK$25,659
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,318/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,861
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,581
−HK$731/mo
Today · 4.125%
HK$28,312
baseline
▲ 0.50% · 4.625%
HK$29,804
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,624/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,974
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,875
−HK$916/mo
Today · 4.125%
HK$30,791
baseline
▲ 0.50% · 4.625%
HK$32,664
+HK$1,873/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,582/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,233
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$877/mo
Today · 4.125%
HK$33,974
baseline
▲ 0.50% · 4.625%
HK$35,765
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,948/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,803
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,854
−HK$1,068/mo
Today · 4.125%
HK$35,922
baseline
▲ 0.50% · 4.625%
HK$38,108
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,844/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,605
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,614
−HK$1,023/mo
Today · 4.125%
HK$39,637
baseline
▲ 0.50% · 4.625%
HK$41,726
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,274/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,460
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,812
−HK$1,374/mo
Today · 4.125%
HK$46,186
baseline
▲ 0.50% · 4.625%
HK$48,996
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,372/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,349
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,646
−HK$1,316/mo
Today · 4.125%
HK$50,962
baseline
▲ 0.50% · 4.625%
HK$53,648
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,924/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,073 · Scale 2, in force from 26 Feb 2026)