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$397,713 · 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$29,852
+HK$1,494/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$397,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,020
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$917/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,717
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,713 · 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$397,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,857
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,910
−HK$1,070/mo
Today · 4.125%
HK$35,980
baseline
▲ 0.50% · 4.625%
HK$38,170
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,960/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,713 · 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$41,793
+HK$2,092/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$397,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,531
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,885
−HK$1,375/mo
Today · 4.125%
HK$46,260
baseline
▲ 0.50% · 4.625%
HK$49,075
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,427
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,726
−HK$1,318/mo
Today · 4.125%
HK$51,044
baseline
▲ 0.50% · 4.625%
HK$53,734
+HK$2,690/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$397,713 · Scale 2, in force from 26 Feb 2026)