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$24,170
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,922
−HK$763/mo
Today · 4.125%
HK$25,685
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,370/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$731/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,004
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,906
−HK$916/mo
Today · 4.125%
HK$30,822
baseline
▲ 0.50% · 4.625%
HK$32,698
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,644/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,266
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,132
−HK$877/mo
Today · 4.125%
HK$34,009
baseline
▲ 0.50% · 4.625%
HK$35,802
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,018/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,838
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$1,069/mo
Today · 4.125%
HK$35,959
baseline
▲ 0.50% · 4.625%
HK$38,148
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,918/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,644
−HK$2,034/mo
▼ 0.25% · 3.875%
HK$38,654
−HK$1,024/mo
Today · 4.125%
HK$39,678
baseline
▲ 0.50% · 4.625%
HK$41,769
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,356/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,505
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,859
−HK$1,375/mo
Today · 4.125%
HK$46,234
baseline
▲ 0.50% · 4.625%
HK$49,047
+HK$2,813/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,468/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,399
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$49,697
−HK$1,317/mo
Today · 4.125%
HK$51,014
baseline
▲ 0.50% · 4.625%
HK$53,703
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,028/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,484 · Scale 2, in force from 26 Feb 2026)