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$24,209
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,962
−HK$765/mo
Today · 4.125%
HK$25,727
baseline
▲ 0.50% · 4.625%
HK$27,293
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,454/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,932
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,655
−HK$732/mo
Today · 4.125%
HK$28,387
baseline
▲ 0.50% · 4.625%
HK$29,884
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,774/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,051
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,955
−HK$918/mo
Today · 4.125%
HK$30,873
baseline
▲ 0.50% · 4.625%
HK$32,751
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,746/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,319
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,186
−HK$879/mo
Today · 4.125%
HK$34,065
baseline
▲ 0.50% · 4.625%
HK$35,861
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,130/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,893
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$1,071/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$38,210
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,705
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,717
−HK$1,025/mo
Today · 4.125%
HK$39,742
baseline
▲ 0.50% · 4.625%
HK$41,837
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,484/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,576
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,932
−HK$1,377/mo
Today · 4.125%
HK$46,309
baseline
▲ 0.50% · 4.625%
HK$49,127
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,618/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,478
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,778
−HK$1,319/mo
Today · 4.125%
HK$51,097
baseline
▲ 0.50% · 4.625%
HK$53,791
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,194/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,131 · Scale 2, in force from 26 Feb 2026)