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$24,232
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,986
−HK$766/mo
Today · 4.125%
HK$25,752
baseline
▲ 0.50% · 4.625%
HK$27,319
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,504/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,958
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$734/mo
Today · 4.125%
HK$28,415
baseline
▲ 0.50% · 4.625%
HK$29,913
+HK$1,498/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,830/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,079
−HK$1,823/mo
▼ 0.25% · 3.875%
HK$29,983
−HK$919/mo
Today · 4.125%
HK$30,902
baseline
▲ 0.50% · 4.625%
HK$32,783
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,804/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,350
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,218
−HK$880/mo
Today · 4.125%
HK$34,098
baseline
▲ 0.50% · 4.625%
HK$35,895
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,196/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,925
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,981
−HK$1,072/mo
Today · 4.125%
HK$36,053
baseline
▲ 0.50% · 4.625%
HK$38,247
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,106/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,742
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,754
−HK$1,027/mo
Today · 4.125%
HK$39,781
baseline
▲ 0.50% · 4.625%
HK$41,878
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,562/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,618
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,975
−HK$1,379/mo
Today · 4.125%
HK$46,354
baseline
▲ 0.50% · 4.625%
HK$49,174
+HK$2,820/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,708/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,525
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,827
−HK$1,320/mo
Today · 4.125%
HK$51,147
baseline
▲ 0.50% · 4.625%
HK$53,843
+HK$2,696/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,294/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,516 · Scale 2, in force from 26 Feb 2026)