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$24,254
−HK$1,520/mo
▼ 0.25% · 3.875%
HK$25,008
−HK$766/mo
Today · 4.125%
HK$25,774
baseline
▲ 0.50% · 4.625%
HK$27,343
+HK$1,569/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,548/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,982
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$27,706
−HK$734/mo
Today · 4.125%
HK$28,440
baseline
▲ 0.50% · 4.625%
HK$29,939
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,880/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,104
−HK$1,825/mo
▼ 0.25% · 3.875%
HK$30,010
−HK$919/mo
Today · 4.125%
HK$30,929
baseline
▲ 0.50% · 4.625%
HK$32,811
+HK$1,882/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$61,858/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,378
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,247
−HK$881/mo
Today · 4.125%
HK$34,128
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$1,798/mo
Deposit HK$4.25M · loan HK$6.38M · min. income ≈ HK$68,256/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,955
−HK$2,129/mo
▼ 0.25% · 3.875%
HK$35,011
−HK$1,073/mo
Today · 4.125%
HK$36,084
baseline
▲ 0.50% · 4.625%
HK$38,280
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,168/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,775
−HK$2,040/mo
▼ 0.25% · 3.875%
HK$38,788
−HK$1,027/mo
Today · 4.125%
HK$39,815
baseline
▲ 0.50% · 4.625%
HK$41,914
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,630/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,656
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,014
−HK$1,380/mo
Today · 4.125%
HK$46,394
baseline
▲ 0.50% · 4.625%
HK$49,217
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,788/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,567
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$49,870
−HK$1,321/mo
Today · 4.125%
HK$51,191
baseline
▲ 0.50% · 4.625%
HK$53,890
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,382/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,863 · Scale 2, in force from 26 Feb 2026)