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$24,186
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,939
−HK$764/mo
Today · 4.125%
HK$25,703
baseline
▲ 0.50% · 4.625%
HK$27,267
+HK$1,564/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,406/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,907
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,629
−HK$732/mo
Today · 4.125%
HK$28,361
baseline
▲ 0.50% · 4.625%
HK$29,856
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,722/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,023
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,926
−HK$918/mo
Today · 4.125%
HK$30,844
baseline
▲ 0.50% · 4.625%
HK$32,720
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,688/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,288
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,154
−HK$879/mo
Today · 4.125%
HK$34,033
baseline
▲ 0.50% · 4.625%
HK$35,827
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,066/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,861
−HK$2,123/mo
▼ 0.25% · 3.875%
HK$34,914
−HK$1,070/mo
Today · 4.125%
HK$35,984
baseline
▲ 0.50% · 4.625%
HK$38,174
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,968/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,670
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,680
−HK$1,025/mo
Today · 4.125%
HK$39,705
baseline
▲ 0.50% · 4.625%
HK$41,798
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,410/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,535
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$44,889
−HK$1,376/mo
Today · 4.125%
HK$46,265
baseline
▲ 0.50% · 4.625%
HK$49,080
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,530/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,433
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,731
−HK$1,318/mo
Today · 4.125%
HK$51,049
baseline
▲ 0.50% · 4.625%
HK$53,740
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,098/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,756 · Scale 2, in force from 26 Feb 2026)