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$24,217
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,970
−HK$765/mo
Today · 4.125%
HK$25,735
baseline
▲ 0.50% · 4.625%
HK$27,301
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,470/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,941
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,663
−HK$733/mo
Today · 4.125%
HK$28,396
baseline
▲ 0.50% · 4.625%
HK$29,893
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,792/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,060
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,964
−HK$918/mo
Today · 4.125%
HK$30,882
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,764/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,329
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,196
−HK$880/mo
Today · 4.125%
HK$34,076
baseline
▲ 0.50% · 4.625%
HK$35,872
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,152/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,903
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,958
−HK$1,071/mo
Today · 4.125%
HK$36,029
baseline
▲ 0.50% · 4.625%
HK$38,222
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,058/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,717
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,729
−HK$1,026/mo
Today · 4.125%
HK$39,755
baseline
▲ 0.50% · 4.625%
HK$41,850
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,510/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,590
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,946
−HK$1,377/mo
Today · 4.125%
HK$46,323
baseline
▲ 0.50% · 4.625%
HK$49,142
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,646/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,493
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,794
−HK$1,319/mo
Today · 4.125%
HK$51,113
baseline
▲ 0.50% · 4.625%
HK$53,808
+HK$2,695/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,226/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,256 · Scale 2, in force from 26 Feb 2026)