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$24,240
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,994
−HK$766/mo
Today · 4.125%
HK$25,760
baseline
▲ 0.50% · 4.625%
HK$27,327
+HK$1,567/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,520/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,967
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,690
−HK$733/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,088
−HK$1,824/mo
▼ 0.25% · 3.875%
HK$29,993
−HK$919/mo
Today · 4.125%
HK$30,912
baseline
▲ 0.50% · 4.625%
HK$32,793
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,824/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,360
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,228
−HK$880/mo
Today · 4.125%
HK$34,108
baseline
▲ 0.50% · 4.625%
HK$35,906
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,216/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,936
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,991
−HK$1,073/mo
Today · 4.125%
HK$36,064
baseline
▲ 0.50% · 4.625%
HK$38,258
+HK$2,194/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,128/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,753
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,766
−HK$1,027/mo
Today · 4.125%
HK$39,793
baseline
▲ 0.50% · 4.625%
HK$41,890
+HK$2,097/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,586/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,632
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,989
−HK$1,379/mo
Today · 4.125%
HK$46,368
baseline
▲ 0.50% · 4.625%
HK$49,189
+HK$2,821/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,736/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,540
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$49,842
−HK$1,320/mo
Today · 4.125%
HK$51,162
baseline
▲ 0.50% · 4.625%
HK$53,859
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,324/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,636 · Scale 2, in force from 26 Feb 2026)