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$24,183
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,935
−HK$765/mo
Today · 4.125%
HK$25,700
baseline
▲ 0.50% · 4.625%
HK$27,264
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,400/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,904
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,625
−HK$732/mo
Today · 4.125%
HK$28,357
baseline
▲ 0.50% · 4.625%
HK$29,852
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,714/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,020
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,923
−HK$917/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,716
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,284
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,150
−HK$879/mo
Today · 4.125%
HK$34,029
baseline
▲ 0.50% · 4.625%
HK$35,822
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,058/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,857
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,910
−HK$1,070/mo
Today · 4.125%
HK$35,980
baseline
▲ 0.50% · 4.625%
HK$38,169
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,960/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,665
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,675
−HK$1,025/mo
Today · 4.125%
HK$39,700
baseline
▲ 0.50% · 4.625%
HK$41,793
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,400/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,530
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,884
−HK$1,376/mo
Today · 4.125%
HK$46,260
baseline
▲ 0.50% · 4.625%
HK$49,074
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,426
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,725
−HK$1,318/mo
Today · 4.125%
HK$51,043
baseline
▲ 0.50% · 4.625%
HK$53,733
+HK$2,690/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,086/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,706 · Scale 2, in force from 26 Feb 2026)