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$24,221
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,974
−HK$765/mo
Today · 4.125%
HK$25,739
baseline
▲ 0.50% · 4.625%
HK$27,306
+HK$1,567/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,478/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,945
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,668
−HK$733/mo
Today · 4.125%
HK$28,401
baseline
▲ 0.50% · 4.625%
HK$29,898
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,802/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,065
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,969
−HK$918/mo
Today · 4.125%
HK$30,887
baseline
▲ 0.50% · 4.625%
HK$32,767
+HK$1,880/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,774/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,334
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,201
−HK$880/mo
Today · 4.125%
HK$34,081
baseline
▲ 0.50% · 4.625%
HK$35,878
+HK$1,797/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,162/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,909
−HK$2,126/mo
▼ 0.25% · 3.875%
HK$34,964
−HK$1,071/mo
Today · 4.125%
HK$36,035
baseline
▲ 0.50% · 4.625%
HK$38,228
+HK$2,193/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$72,070/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,723
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,735
−HK$1,026/mo
Today · 4.125%
HK$39,761
baseline
▲ 0.50% · 4.625%
HK$41,857
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.44M · min. income ≈ HK$79,522/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,597
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$44,953
−HK$1,378/mo
Today · 4.125%
HK$46,331
baseline
▲ 0.50% · 4.625%
HK$49,150
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,662/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,802
−HK$1,320/mo
Today · 4.125%
HK$51,122
baseline
▲ 0.50% · 4.625%
HK$53,816
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,244/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,321 · Scale 2, in force from 26 Feb 2026)