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$24,248
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,002
−HK$767/mo
Today · 4.125%
HK$25,769
baseline
▲ 0.50% · 4.625%
HK$27,337
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,538/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,976
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$734/mo
Today · 4.125%
HK$28,433
baseline
▲ 0.50% · 4.625%
HK$29,932
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,866/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,098
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,003
−HK$920/mo
Today · 4.125%
HK$30,923
baseline
▲ 0.50% · 4.625%
HK$32,804
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,846/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,371
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,239
−HK$881/mo
Today · 4.125%
HK$34,120
baseline
▲ 0.50% · 4.625%
HK$35,919
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,240/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,948
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$35,003
−HK$1,073/mo
Today · 4.125%
HK$36,076
baseline
▲ 0.50% · 4.625%
HK$38,271
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,152/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,766
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,779
−HK$1,028/mo
Today · 4.125%
HK$39,807
baseline
▲ 0.50% · 4.625%
HK$41,905
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,614/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,647
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,004
−HK$1,380/mo
Today · 4.125%
HK$46,384
baseline
▲ 0.50% · 4.625%
HK$49,206
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,768/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,557
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,859
−HK$1,321/mo
Today · 4.125%
HK$51,180
baseline
▲ 0.50% · 4.625%
HK$53,878
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,360/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,775 · Scale 2, in force from 26 Feb 2026)