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$24,166
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,918
−HK$764/mo
Today · 4.125%
HK$25,682
baseline
▲ 0.50% · 4.625%
HK$27,244
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,364/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,606
−HK$731/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$29,831
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,999
−HK$1,819/mo
▼ 0.25% · 3.875%
HK$29,901
−HK$917/mo
Today · 4.125%
HK$30,818
baseline
▲ 0.50% · 4.625%
HK$32,693
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,636/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,262
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,127
−HK$877/mo
Today · 4.125%
HK$34,004
baseline
▲ 0.50% · 4.625%
HK$35,797
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,008/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,833
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,885
−HK$1,069/mo
Today · 4.125%
HK$35,954
baseline
▲ 0.50% · 4.625%
HK$38,142
+HK$2,188/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,908/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,638
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,648
−HK$1,024/mo
Today · 4.125%
HK$39,672
baseline
▲ 0.50% · 4.625%
HK$41,763
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,344/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,499
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,852
−HK$1,375/mo
Today · 4.125%
HK$46,227
baseline
▲ 0.50% · 4.625%
HK$49,040
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,454/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,392
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,690
−HK$1,317/mo
Today · 4.125%
HK$51,007
baseline
▲ 0.50% · 4.625%
HK$53,695
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,014/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,425 · Scale 2, in force from 26 Feb 2026)