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$24,262
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,016
−HK$767/mo
Today · 4.125%
HK$25,783
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,566/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,991
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$734/mo
Today · 4.125%
HK$28,449
baseline
▲ 0.50% · 4.625%
HK$29,949
+HK$1,500/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,898/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,114
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,019
−HK$921/mo
Today · 4.125%
HK$30,940
baseline
▲ 0.50% · 4.625%
HK$32,822
+HK$1,882/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,880/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,389
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,258
−HK$881/mo
Today · 4.125%
HK$34,139
baseline
▲ 0.50% · 4.625%
HK$35,938
+HK$1,799/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,278/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,966
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,023
−HK$1,073/mo
Today · 4.125%
HK$36,096
baseline
▲ 0.50% · 4.625%
HK$38,292
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,192/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,787
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,800
−HK$1,029/mo
Today · 4.125%
HK$39,829
baseline
▲ 0.50% · 4.625%
HK$41,928
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,658/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,671
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,029
−HK$1,380/mo
Today · 4.125%
HK$46,409
baseline
▲ 0.50% · 4.625%
HK$49,233
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,818/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,583
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,886
−HK$1,322/mo
Today · 4.125%
HK$51,208
baseline
▲ 0.50% · 4.625%
HK$53,907
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,416/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,994 · Scale 2, in force from 26 Feb 2026)