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$24,150
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,901
−HK$763/mo
Today · 4.125%
HK$25,664
baseline
▲ 0.50% · 4.625%
HK$27,225
+HK$1,561/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,328/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,866
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$731/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$29,810
+HK$1,492/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,979
−HK$1,818/mo
▼ 0.25% · 3.875%
HK$29,881
−HK$916/mo
Today · 4.125%
HK$30,797
baseline
▲ 0.50% · 4.625%
HK$32,671
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,594/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,239
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,104
−HK$877/mo
Today · 4.125%
HK$33,981
baseline
▲ 0.50% · 4.625%
HK$35,772
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,962/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,809
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$1,068/mo
Today · 4.125%
HK$35,929
baseline
▲ 0.50% · 4.625%
HK$38,116
+HK$2,187/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,858/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,613
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,621
−HK$1,024/mo
Today · 4.125%
HK$39,645
baseline
▲ 0.50% · 4.625%
HK$41,734
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,290/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,469
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,821
−HK$1,374/mo
Today · 4.125%
HK$46,195
baseline
▲ 0.50% · 4.625%
HK$49,006
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,390/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,359
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,656
−HK$1,316/mo
Today · 4.125%
HK$50,972
baseline
▲ 0.50% · 4.625%
HK$53,658
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,944/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,152 · Scale 2, in force from 26 Feb 2026)