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$24,161
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,913
−HK$763/mo
Today · 4.125%
HK$25,676
baseline
▲ 0.50% · 4.625%
HK$27,239
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,352/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,879
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,600
−HK$731/mo
Today · 4.125%
HK$28,331
baseline
▲ 0.50% · 4.625%
HK$29,825
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,662/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,994
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,895
−HK$917/mo
Today · 4.125%
HK$30,812
baseline
▲ 0.50% · 4.625%
HK$32,687
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,624/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,255
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,120
−HK$878/mo
Today · 4.125%
HK$33,998
baseline
▲ 0.50% · 4.625%
HK$35,790
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,996/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,826
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,878
−HK$1,069/mo
Today · 4.125%
HK$35,947
baseline
▲ 0.50% · 4.625%
HK$38,134
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,894/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,631
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,640
−HK$1,024/mo
Today · 4.125%
HK$39,664
baseline
▲ 0.50% · 4.625%
HK$41,755
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,328/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,490
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$44,843
−HK$1,375/mo
Today · 4.125%
HK$46,218
baseline
▲ 0.50% · 4.625%
HK$49,030
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,436/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,383
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,680
−HK$1,316/mo
Today · 4.125%
HK$50,996
baseline
▲ 0.50% · 4.625%
HK$53,685
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$101,992/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,345 · Scale 2, in force from 26 Feb 2026)