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$24,222
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,976
−HK$765/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,947
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,670
−HK$733/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$29,900
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,067
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,971
−HK$918/mo
Today · 4.125%
HK$30,889
baseline
▲ 0.50% · 4.625%
HK$32,769
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,778/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,336
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,203
−HK$880/mo
Today · 4.125%
HK$34,083
baseline
▲ 0.50% · 4.625%
HK$35,880
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,166/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,911
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,966
−HK$1,071/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,726
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,737
−HK$1,027/mo
Today · 4.125%
HK$39,764
baseline
▲ 0.50% · 4.625%
HK$41,860
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,528/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,600
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,956
−HK$1,378/mo
Today · 4.125%
HK$46,334
baseline
▲ 0.50% · 4.625%
HK$49,153
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,668/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,504
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,805
−HK$1,320/mo
Today · 4.125%
HK$51,125
baseline
▲ 0.50% · 4.625%
HK$53,820
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,250/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,346 · Scale 2, in force from 26 Feb 2026)