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$24,243
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,997
−HK$766/mo
Today · 4.125%
HK$25,763
baseline
▲ 0.50% · 4.625%
HK$27,331
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,526/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,970
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$733/mo
Today · 4.125%
HK$28,427
baseline
▲ 0.50% · 4.625%
HK$29,926
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,854/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,092
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,997
−HK$919/mo
Today · 4.125%
HK$30,916
baseline
▲ 0.50% · 4.625%
HK$32,797
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,832/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,364
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,232
−HK$881/mo
Today · 4.125%
HK$34,113
baseline
▲ 0.50% · 4.625%
HK$35,911
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,226/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,940
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$34,996
−HK$1,073/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$38,263
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,758
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,771
−HK$1,027/mo
Today · 4.125%
HK$39,798
baseline
▲ 0.50% · 4.625%
HK$41,896
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,596/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,638
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,995
−HK$1,379/mo
Today · 4.125%
HK$46,374
baseline
▲ 0.50% · 4.625%
HK$49,196
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,748/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,546
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,848
−HK$1,321/mo
Today · 4.125%
HK$51,169
baseline
▲ 0.50% · 4.625%
HK$53,866
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,338/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,691 · Scale 2, in force from 26 Feb 2026)