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$24,179
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,931
−HK$764/mo
Today · 4.125%
HK$25,695
baseline
▲ 0.50% · 4.625%
HK$27,259
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,390/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,899
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,620
−HK$732/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$29,847
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,015
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,917
−HK$917/mo
Today · 4.125%
HK$30,834
baseline
▲ 0.50% · 4.625%
HK$32,710
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,668/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,279
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,144
−HK$878/mo
Today · 4.125%
HK$34,022
baseline
▲ 0.50% · 4.625%
HK$35,816
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,044/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,850
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,903
−HK$1,070/mo
Today · 4.125%
HK$35,973
baseline
▲ 0.50% · 4.625%
HK$38,162
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,946/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,658
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,668
−HK$1,025/mo
Today · 4.125%
HK$39,693
baseline
▲ 0.50% · 4.625%
HK$41,785
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,386/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,522
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,876
−HK$1,375/mo
Today · 4.125%
HK$46,251
baseline
▲ 0.50% · 4.625%
HK$49,066
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,502/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,418
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,716
−HK$1,318/mo
Today · 4.125%
HK$51,034
baseline
▲ 0.50% · 4.625%
HK$53,724
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,068/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,635 · Scale 2, in force from 26 Feb 2026)