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$24,218
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,971
−HK$766/mo
Today · 4.125%
HK$25,737
baseline
▲ 0.50% · 4.625%
HK$27,303
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,474/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,942
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,665
−HK$733/mo
Today · 4.125%
HK$28,398
baseline
▲ 0.50% · 4.625%
HK$29,895
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,796/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,966
−HK$918/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,331
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,198
−HK$879/mo
Today · 4.125%
HK$34,077
baseline
▲ 0.50% · 4.625%
HK$35,874
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,154/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,905
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$1,071/mo
Today · 4.125%
HK$36,031
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,062/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,731
−HK$1,026/mo
Today · 4.125%
HK$39,757
baseline
▲ 0.50% · 4.625%
HK$41,853
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,514/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,592
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,948
−HK$1,378/mo
Today · 4.125%
HK$46,326
baseline
▲ 0.50% · 4.625%
HK$49,145
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,652/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,496
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,797
−HK$1,319/mo
Today · 4.125%
HK$51,116
baseline
▲ 0.50% · 4.625%
HK$53,811
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,232/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,277 · Scale 2, in force from 26 Feb 2026)