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$24,242
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$24,996
−HK$766/mo
Today · 4.125%
HK$25,762
baseline
▲ 0.50% · 4.625%
HK$27,330
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,524/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,969
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$27,692
−HK$734/mo
Today · 4.125%
HK$28,426
baseline
▲ 0.50% · 4.625%
HK$29,924
+HK$1,498/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,852/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,090
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$29,995
−HK$920/mo
Today · 4.125%
HK$30,915
baseline
▲ 0.50% · 4.625%
HK$32,796
+HK$1,881/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,830/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,363
−HK$1,748/mo
▼ 0.25% · 3.875%
HK$33,231
−HK$880/mo
Today · 4.125%
HK$34,111
baseline
▲ 0.50% · 4.625%
HK$35,909
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,222/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,939
−HK$2,128/mo
▼ 0.25% · 3.875%
HK$34,994
−HK$1,073/mo
Today · 4.125%
HK$36,067
baseline
▲ 0.50% · 4.625%
HK$38,262
+HK$2,195/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,134/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,757
−HK$2,039/mo
▼ 0.25% · 3.875%
HK$38,769
−HK$1,027/mo
Today · 4.125%
HK$39,796
baseline
▲ 0.50% · 4.625%
HK$41,894
+HK$2,098/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,592/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,636
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$44,993
−HK$1,379/mo
Today · 4.125%
HK$46,372
baseline
▲ 0.50% · 4.625%
HK$49,194
+HK$2,822/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,744/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,544
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$49,846
−HK$1,321/mo
Today · 4.125%
HK$51,167
baseline
▲ 0.50% · 4.625%
HK$53,864
+HK$2,697/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,334/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,672 · Scale 2, in force from 26 Feb 2026)