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$24,197
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,950
−HK$765/mo
Today · 4.125%
HK$25,715
baseline
▲ 0.50% · 4.625%
HK$27,279
+HK$1,564/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,430/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,919
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,641
−HK$733/mo
Today · 4.125%
HK$28,374
baseline
▲ 0.50% · 4.625%
HK$29,869
+HK$1,495/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,748/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,037
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,940
−HK$918/mo
Today · 4.125%
HK$30,858
baseline
▲ 0.50% · 4.625%
HK$32,735
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,716/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,303
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,169
−HK$879/mo
Today · 4.125%
HK$34,048
baseline
▲ 0.50% · 4.625%
HK$35,843
+HK$1,795/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,096/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,876
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,930
−HK$1,070/mo
Today · 4.125%
HK$36,000
baseline
▲ 0.50% · 4.625%
HK$38,191
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,000/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,687
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,698
−HK$1,025/mo
Today · 4.125%
HK$39,723
baseline
▲ 0.50% · 4.625%
HK$41,817
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,446/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,555
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,910
−HK$1,376/mo
Today · 4.125%
HK$46,286
baseline
▲ 0.50% · 4.625%
HK$49,103
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,572/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,455
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,754
−HK$1,318/mo
Today · 4.125%
HK$51,072
baseline
▲ 0.50% · 4.625%
HK$53,764
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,144/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,937 · Scale 2, in force from 26 Feb 2026)