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$24,160
−HK$1,515/mo
▼ 0.25% · 3.875%
HK$24,912
−HK$763/mo
Today · 4.125%
HK$25,675
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,350/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,878
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,599
−HK$731/mo
Today · 4.125%
HK$28,330
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,660/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,992
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,894
−HK$916/mo
Today · 4.125%
HK$30,810
baseline
▲ 0.50% · 4.625%
HK$32,685
+HK$1,875/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,620/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,254
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,119
−HK$877/mo
Today · 4.125%
HK$33,996
baseline
▲ 0.50% · 4.625%
HK$35,788
+HK$1,792/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$67,992/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,824
−HK$2,121/mo
▼ 0.25% · 3.875%
HK$34,876
−HK$1,069/mo
Today · 4.125%
HK$35,945
baseline
▲ 0.50% · 4.625%
HK$38,132
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,890/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,629
−HK$2,033/mo
▼ 0.25% · 3.875%
HK$38,638
−HK$1,024/mo
Today · 4.125%
HK$39,662
baseline
▲ 0.50% · 4.625%
HK$41,753
+HK$2,091/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,324/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,488
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$44,841
−HK$1,374/mo
Today · 4.125%
HK$46,215
baseline
▲ 0.50% · 4.625%
HK$49,027
+HK$2,812/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,430/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,380
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$49,678
−HK$1,316/mo
Today · 4.125%
HK$50,994
baseline
▲ 0.50% · 4.625%
HK$53,682
+HK$2,688/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$101,988/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,327 · Scale 2, in force from 26 Feb 2026)