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$24,211
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,964
−HK$765/mo
Today · 4.125%
HK$25,729
baseline
▲ 0.50% · 4.625%
HK$27,295
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,458/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,935
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,657
−HK$733/mo
Today · 4.125%
HK$28,390
baseline
▲ 0.50% · 4.625%
HK$29,886
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,780/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,053
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,957
−HK$918/mo
Today · 4.125%
HK$30,875
baseline
▲ 0.50% · 4.625%
HK$32,754
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,750/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,322
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,188
−HK$880/mo
Today · 4.125%
HK$34,068
baseline
▲ 0.50% · 4.625%
HK$35,864
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,136/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,896
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,950
−HK$1,071/mo
Today · 4.125%
HK$36,021
baseline
▲ 0.50% · 4.625%
HK$38,213
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,042/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,708
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,720
−HK$1,026/mo
Today · 4.125%
HK$39,746
baseline
▲ 0.50% · 4.625%
HK$41,841
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,492/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,580
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,936
−HK$1,377/mo
Today · 4.125%
HK$46,313
baseline
▲ 0.50% · 4.625%
HK$49,131
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,626/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,482
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,783
−HK$1,319/mo
Today · 4.125%
HK$51,102
baseline
▲ 0.50% · 4.625%
HK$53,795
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,204/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,165 · Scale 2, in force from 26 Feb 2026)