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$24,184
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,936
−HK$764/mo
Today · 4.125%
HK$25,700
baseline
▲ 0.50% · 4.625%
HK$27,264
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,400/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,904
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,626
−HK$732/mo
Today · 4.125%
HK$28,358
baseline
▲ 0.50% · 4.625%
HK$29,853
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,716/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,021
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$918/mo
Today · 4.125%
HK$30,841
baseline
▲ 0.50% · 4.625%
HK$32,717
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,682/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,285
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,151
−HK$878/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$35,823
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,857
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,911
−HK$1,070/mo
Today · 4.125%
HK$35,981
baseline
▲ 0.50% · 4.625%
HK$38,170
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,962/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,666
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,676
−HK$1,025/mo
Today · 4.125%
HK$39,701
baseline
▲ 0.50% · 4.625%
HK$41,794
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,402/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,531
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,885
−HK$1,376/mo
Today · 4.125%
HK$46,261
baseline
▲ 0.50% · 4.625%
HK$49,076
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,522/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,428
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,727
−HK$1,317/mo
Today · 4.125%
HK$51,044
baseline
▲ 0.50% · 4.625%
HK$53,735
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,088/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,717 · Scale 2, in force from 26 Feb 2026)