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$24,260
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,015
−HK$766/mo
Today · 4.125%
HK$25,781
baseline
▲ 0.50% · 4.625%
HK$27,350
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,562/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,989
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$734/mo
Today · 4.125%
HK$28,447
baseline
▲ 0.50% · 4.625%
HK$29,946
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,894/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,112
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,017
−HK$920/mo
Today · 4.125%
HK$30,937
baseline
▲ 0.50% · 4.625%
HK$32,820
+HK$1,883/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,874/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,387
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,255
−HK$881/mo
Today · 4.125%
HK$34,136
baseline
▲ 0.50% · 4.625%
HK$35,936
+HK$1,800/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,272/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,964
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,020
−HK$1,074/mo
Today · 4.125%
HK$36,094
baseline
▲ 0.50% · 4.625%
HK$38,290
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,188/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,784
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,798
−HK$1,028/mo
Today · 4.125%
HK$39,826
baseline
▲ 0.50% · 4.625%
HK$41,925
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,652/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,668
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,026
−HK$1,380/mo
Today · 4.125%
HK$46,406
baseline
▲ 0.50% · 4.625%
HK$49,230
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$92,812/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,580
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,883
−HK$1,322/mo
Today · 4.125%
HK$51,205
baseline
▲ 0.50% · 4.625%
HK$53,904
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.58M · min. income ≈ HK$102,410/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,967 · Scale 2, in force from 26 Feb 2026)