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$24,191
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,943
−HK$765/mo
Today · 4.125%
HK$25,708
baseline
▲ 0.50% · 4.625%
HK$27,272
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,416/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,912
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,634
−HK$732/mo
Today · 4.125%
HK$28,366
baseline
▲ 0.50% · 4.625%
HK$29,861
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,732/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,029
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,932
−HK$917/mo
Today · 4.125%
HK$30,849
baseline
▲ 0.50% · 4.625%
HK$32,727
+HK$1,878/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,698/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,295
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,161
−HK$878/mo
Today · 4.125%
HK$34,039
baseline
▲ 0.50% · 4.625%
HK$35,834
+HK$1,795/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,078/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,867
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,921
−HK$1,070/mo
Today · 4.125%
HK$35,991
baseline
▲ 0.50% · 4.625%
HK$38,181
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,982/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,677
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,687
−HK$1,026/mo
Today · 4.125%
HK$39,713
baseline
▲ 0.50% · 4.625%
HK$41,806
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,426/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,544
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,898
−HK$1,376/mo
Today · 4.125%
HK$46,274
baseline
▲ 0.50% · 4.625%
HK$49,090
+HK$2,816/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,548/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,442
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$49,741
−HK$1,318/mo
Today · 4.125%
HK$51,059
baseline
▲ 0.50% · 4.625%
HK$53,750
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,118/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,832 · Scale 2, in force from 26 Feb 2026)