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$24,221
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,974
−HK$766/mo
Today · 4.125%
HK$25,740
baseline
▲ 0.50% · 4.625%
HK$27,306
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,480/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,668
−HK$733/mo
Today · 4.125%
HK$28,401
baseline
▲ 0.50% · 4.625%
HK$29,898
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,802/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,065
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,969
−HK$919/mo
Today · 4.125%
HK$30,888
baseline
▲ 0.50% · 4.625%
HK$32,767
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,776/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,335
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,202
−HK$880/mo
Today · 4.125%
HK$34,082
baseline
▲ 0.50% · 4.625%
HK$35,878
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,164/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,909
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,964
−HK$1,072/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$38,228
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,724
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,735
−HK$1,027/mo
Today · 4.125%
HK$39,762
baseline
▲ 0.50% · 4.625%
HK$41,858
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,524/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,598
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,954
−HK$1,378/mo
Today · 4.125%
HK$46,332
baseline
▲ 0.50% · 4.625%
HK$49,151
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,664/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,502
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,803
−HK$1,319/mo
Today · 4.125%
HK$51,122
baseline
▲ 0.50% · 4.625%
HK$53,817
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,244/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,326 · Scale 2, in force from 26 Feb 2026)