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$24,246
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,000
−HK$766/mo
Today · 4.125%
HK$25,766
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,532/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,696
−HK$734/mo
Today · 4.125%
HK$28,430
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,860/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,095
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$30,000
−HK$919/mo
Today · 4.125%
HK$30,919
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,838/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,368
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,236
−HK$880/mo
Today · 4.125%
HK$34,116
baseline
▲ 0.50% · 4.625%
HK$35,915
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,232/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,944
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$35,000
−HK$1,072/mo
Today · 4.125%
HK$36,072
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,144/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,762
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,775
−HK$1,027/mo
Today · 4.125%
HK$39,802
baseline
▲ 0.50% · 4.625%
HK$41,900
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,604/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,642
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,000
−HK$1,379/mo
Today · 4.125%
HK$46,379
baseline
▲ 0.50% · 4.625%
HK$49,201
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,758/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,551
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,853
−HK$1,321/mo
Today · 4.125%
HK$51,174
baseline
▲ 0.50% · 4.625%
HK$53,872
+HK$2,698/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,348/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,732 · Scale 2, in force from 26 Feb 2026)