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$24,247
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,001
−HK$766/mo
Today · 4.125%
HK$25,767
baseline
▲ 0.50% · 4.625%
HK$27,335
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,534/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,974
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,698
−HK$733/mo
Today · 4.125%
HK$28,431
baseline
▲ 0.50% · 4.625%
HK$29,930
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,862/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,096
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,001
−HK$920/mo
Today · 4.125%
HK$30,921
baseline
▲ 0.50% · 4.625%
HK$32,802
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,842/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,369
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,237
−HK$881/mo
Today · 4.125%
HK$34,118
baseline
▲ 0.50% · 4.625%
HK$35,916
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,236/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,945
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,001
−HK$1,073/mo
Today · 4.125%
HK$36,074
baseline
▲ 0.50% · 4.625%
HK$38,269
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,148/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,764
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,777
−HK$1,027/mo
Today · 4.125%
HK$39,804
baseline
▲ 0.50% · 4.625%
HK$41,902
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,608/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,644
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,002
−HK$1,379/mo
Today · 4.125%
HK$46,381
baseline
▲ 0.50% · 4.625%
HK$49,203
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,762/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,554
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,856
−HK$1,321/mo
Today · 4.125%
HK$51,177
baseline
▲ 0.50% · 4.625%
HK$53,874
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,354/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,749 · Scale 2, in force from 26 Feb 2026)