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$24,202
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,954
−HK$765/mo
Today · 4.125%
HK$25,719
baseline
▲ 0.50% · 4.625%
HK$27,284
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,438/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$398,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,924
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,646
−HK$733/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$29,875
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$398,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,042
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,945
−HK$918/mo
Today · 4.125%
HK$30,863
baseline
▲ 0.50% · 4.625%
HK$32,741
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,726/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,309
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,175
−HK$879/mo
Today · 4.125%
HK$34,054
baseline
▲ 0.50% · 4.625%
HK$35,849
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,108/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,882
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,936
−HK$1,071/mo
Today · 4.125%
HK$36,007
baseline
▲ 0.50% · 4.625%
HK$38,198
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,014/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,694
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,705
−HK$1,025/mo
Today · 4.125%
HK$39,730
baseline
▲ 0.50% · 4.625%
HK$41,824
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,460/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,563
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$44,918
−HK$1,377/mo
Today · 4.125%
HK$46,295
baseline
▲ 0.50% · 4.625%
HK$49,112
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,590/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,463
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,763
−HK$1,319/mo
Today · 4.125%
HK$51,082
baseline
▲ 0.50% · 4.625%
HK$53,774
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,164/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,008 · Scale 2, in force from 26 Feb 2026)