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$24,203
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,955
−HK$765/mo
Today · 4.125%
HK$25,720
baseline
▲ 0.50% · 4.625%
HK$27,285
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,440/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,925
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,647
−HK$733/mo
Today · 4.125%
HK$28,380
baseline
▲ 0.50% · 4.625%
HK$29,876
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,760/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,043
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,946
−HK$918/mo
Today · 4.125%
HK$30,864
baseline
▲ 0.50% · 4.625%
HK$32,742
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,728/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,310
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,177
−HK$879/mo
Today · 4.125%
HK$34,056
baseline
▲ 0.50% · 4.625%
HK$35,851
+HK$1,795/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,112/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$398,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,884
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,938
−HK$1,070/mo
Today · 4.125%
HK$36,008
baseline
▲ 0.50% · 4.625%
HK$38,199
+HK$2,191/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,016/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,695
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,706
−HK$1,026/mo
Today · 4.125%
HK$39,732
baseline
▲ 0.50% · 4.625%
HK$41,826
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,464/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,565
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,920
−HK$1,376/mo
Today · 4.125%
HK$46,296
baseline
▲ 0.50% · 4.625%
HK$49,113
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,592/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,465
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$49,765
−HK$1,319/mo
Today · 4.125%
HK$51,084
baseline
▲ 0.50% · 4.625%
HK$53,776
+HK$2,692/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,168/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,024 · Scale 2, in force from 26 Feb 2026)