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$24,159
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,911
−HK$763/mo
Today · 4.125%
HK$25,674
baseline
▲ 0.50% · 4.625%
HK$27,236
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,348/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,598
−HK$731/mo
Today · 4.125%
HK$28,329
baseline
▲ 0.50% · 4.625%
HK$29,822
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,658/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,991
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,893
−HK$916/mo
Today · 4.125%
HK$30,809
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,618/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,252
−HK$1,743/mo
▼ 0.25% · 3.875%
HK$33,117
−HK$878/mo
Today · 4.125%
HK$33,995
baseline
▲ 0.50% · 4.625%
HK$35,787
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,990/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,823
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,875
−HK$1,069/mo
Today · 4.125%
HK$35,944
baseline
▲ 0.50% · 4.625%
HK$38,131
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,888/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,628
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,637
−HK$1,024/mo
Today · 4.125%
HK$39,661
baseline
▲ 0.50% · 4.625%
HK$41,751
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,322/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,487
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,839
−HK$1,375/mo
Today · 4.125%
HK$46,214
baseline
▲ 0.50% · 4.625%
HK$49,026
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,428/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,378
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,676
−HK$1,316/mo
Today · 4.125%
HK$50,992
baseline
▲ 0.50% · 4.625%
HK$53,680
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$101,984/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,311 · Scale 2, in force from 26 Feb 2026)