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$24,189
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,941
−HK$765/mo
Today · 4.125%
HK$25,706
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,412/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,910
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,631
−HK$733/mo
Today · 4.125%
HK$28,364
baseline
▲ 0.50% · 4.625%
HK$29,859
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,728/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,026
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,929
−HK$918/mo
Today · 4.125%
HK$30,847
baseline
▲ 0.50% · 4.625%
HK$32,724
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,694/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,292
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,158
−HK$878/mo
Today · 4.125%
HK$34,036
baseline
▲ 0.50% · 4.625%
HK$35,830
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,072/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,864
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,918
−HK$1,070/mo
Today · 4.125%
HK$35,988
baseline
▲ 0.50% · 4.625%
HK$38,178
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,976/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,674
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,684
−HK$1,025/mo
Today · 4.125%
HK$39,709
baseline
▲ 0.50% · 4.625%
HK$41,802
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,418/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,540
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,894
−HK$1,376/mo
Today · 4.125%
HK$46,270
baseline
▲ 0.50% · 4.625%
HK$49,085
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,540/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,437
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,737
−HK$1,317/mo
Today · 4.125%
HK$51,054
baseline
▲ 0.50% · 4.625%
HK$53,746
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,108/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,796 · Scale 2, in force from 26 Feb 2026)