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$24,207
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$765/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,930
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,652
−HK$733/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$29,881
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,048
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,952
−HK$918/mo
Today · 4.125%
HK$30,870
baseline
▲ 0.50% · 4.625%
HK$32,748
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,740/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,316
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,182
−HK$880/mo
Today · 4.125%
HK$34,062
baseline
▲ 0.50% · 4.625%
HK$35,857
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,124/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,890
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,944
−HK$1,071/mo
Today · 4.125%
HK$36,015
baseline
▲ 0.50% · 4.625%
HK$38,206
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,030/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,702
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,713
−HK$1,026/mo
Today · 4.125%
HK$39,739
baseline
▲ 0.50% · 4.625%
HK$41,833
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,478/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,572
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,928
−HK$1,377/mo
Today · 4.125%
HK$46,305
baseline
▲ 0.50% · 4.625%
HK$49,122
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,610/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,474
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,774
−HK$1,319/mo
Today · 4.125%
HK$51,093
baseline
▲ 0.50% · 4.625%
HK$53,786
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,186/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,094 · Scale 2, in force from 26 Feb 2026)