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$24,218
−HK$1,519/mo
▼ 0.25% · 3.875%
HK$24,972
−HK$765/mo
Today · 4.125%
HK$25,737
baseline
▲ 0.50% · 4.625%
HK$27,303
+HK$1,566/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,474/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,942
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$27,665
−HK$733/mo
Today · 4.125%
HK$28,398
baseline
▲ 0.50% · 4.625%
HK$29,895
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,796/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,062
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,966
−HK$918/mo
Today · 4.125%
HK$30,884
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,879/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,768/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,331
−HK$1,747/mo
▼ 0.25% · 3.875%
HK$33,198
−HK$880/mo
Today · 4.125%
HK$34,078
baseline
▲ 0.50% · 4.625%
HK$35,874
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,156/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,905
−HK$2,127/mo
▼ 0.25% · 3.875%
HK$34,960
−HK$1,072/mo
Today · 4.125%
HK$36,032
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,064/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,719
−HK$2,038/mo
▼ 0.25% · 3.875%
HK$38,731
−HK$1,026/mo
Today · 4.125%
HK$39,757
baseline
▲ 0.50% · 4.625%
HK$41,853
+HK$2,096/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,514/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,593
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,949
−HK$1,377/mo
Today · 4.125%
HK$46,326
baseline
▲ 0.50% · 4.625%
HK$49,145
+HK$2,819/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,652/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,496
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$49,797
−HK$1,320/mo
Today · 4.125%
HK$51,117
baseline
▲ 0.50% · 4.625%
HK$53,811
+HK$2,694/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,234/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,281 · Scale 2, in force from 26 Feb 2026)