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$24,150
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,901
−HK$763/mo
Today · 4.125%
HK$25,664
baseline
▲ 0.50% · 4.625%
HK$27,226
+HK$1,562/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,328/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,866
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$731/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$29,811
+HK$1,493/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,980
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,881
−HK$916/mo
Today · 4.125%
HK$30,797
baseline
▲ 0.50% · 4.625%
HK$32,671
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,594/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,240
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,104
−HK$878/mo
Today · 4.125%
HK$33,982
baseline
▲ 0.50% · 4.625%
HK$35,773
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,964/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,810
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$1,069/mo
Today · 4.125%
HK$35,930
baseline
▲ 0.50% · 4.625%
HK$38,116
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,860/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,613
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,622
−HK$1,023/mo
Today · 4.125%
HK$39,645
baseline
▲ 0.50% · 4.625%
HK$41,735
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,290/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,470
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,822
−HK$1,374/mo
Today · 4.125%
HK$46,196
baseline
▲ 0.50% · 4.625%
HK$49,007
+HK$2,811/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,392/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,360
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,657
−HK$1,315/mo
Today · 4.125%
HK$50,972
baseline
▲ 0.50% · 4.625%
HK$53,659
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,944/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,157 · Scale 2, in force from 26 Feb 2026)