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$24,255
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,010
−HK$766/mo
Today · 4.125%
HK$25,776
baseline
▲ 0.50% · 4.625%
HK$27,345
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,552/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,984
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,708
−HK$734/mo
Today · 4.125%
HK$28,442
baseline
▲ 0.50% · 4.625%
HK$29,941
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,884/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,106
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,012
−HK$920/mo
Today · 4.125%
HK$30,932
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,864/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,381
−HK$1,749/mo
▼ 0.25% · 3.875%
HK$33,249
−HK$881/mo
Today · 4.125%
HK$34,130
baseline
▲ 0.50% · 4.625%
HK$35,929
+HK$1,799/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,260/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,957
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,014
−HK$1,073/mo
Today · 4.125%
HK$36,087
baseline
▲ 0.50% · 4.625%
HK$38,283
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,174/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,777
−HK$2,041/mo
▼ 0.25% · 3.875%
HK$38,791
−HK$1,027/mo
Today · 4.125%
HK$39,818
baseline
▲ 0.50% · 4.625%
HK$41,917
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,636/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,660
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$45,018
−HK$1,379/mo
Today · 4.125%
HK$46,397
baseline
▲ 0.50% · 4.625%
HK$49,221
+HK$2,824/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,794/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,571
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,874
−HK$1,321/mo
Today · 4.125%
HK$51,195
baseline
▲ 0.50% · 4.625%
HK$53,894
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,390/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,892 · Scale 2, in force from 26 Feb 2026)