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$24,207
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,960
−HK$765/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,291
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,931
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,653
−HK$732/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$29,882
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,049
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,952
−HK$919/mo
Today · 4.125%
HK$30,871
baseline
▲ 0.50% · 4.625%
HK$32,749
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,742/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,317
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,183
−HK$880/mo
Today · 4.125%
HK$34,063
baseline
▲ 0.50% · 4.625%
HK$35,858
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,126/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,890
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$1,071/mo
Today · 4.125%
HK$36,016
baseline
▲ 0.50% · 4.625%
HK$38,207
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,032/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,703
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,714
−HK$1,026/mo
Today · 4.125%
HK$39,740
baseline
▲ 0.50% · 4.625%
HK$41,834
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,480/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,573
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,929
−HK$1,377/mo
Today · 4.125%
HK$46,306
baseline
▲ 0.50% · 4.625%
HK$49,123
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,612/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,475
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,775
−HK$1,319/mo
Today · 4.125%
HK$51,094
baseline
▲ 0.50% · 4.625%
HK$53,787
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,188/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,104 · Scale 2, in force from 26 Feb 2026)