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$24,259
−HK$1,521/mo
▼ 0.25% · 3.875%
HK$25,013
−HK$767/mo
Today · 4.125%
HK$25,780
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,568/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$51,560/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,987
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$27,711
−HK$735/mo
Today · 4.125%
HK$28,446
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,499/mo
Deposit HK$5.32M · loan HK$5.32M · min. income ≈ HK$56,892/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$398,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,110
−HK$1,826/mo
▼ 0.25% · 3.875%
HK$30,016
−HK$920/mo
Today · 4.125%
HK$30,936
baseline
▲ 0.50% · 4.625%
HK$32,818
+HK$1,882/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$61,872/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,385
−HK$1,750/mo
▼ 0.25% · 3.875%
HK$33,254
−HK$881/mo
Today · 4.125%
HK$34,135
baseline
▲ 0.50% · 4.625%
HK$35,934
+HK$1,799/mo
Deposit HK$4.26M · loan HK$6.38M · min. income ≈ HK$68,270/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,962
−HK$2,130/mo
▼ 0.25% · 3.875%
HK$35,018
−HK$1,074/mo
Today · 4.125%
HK$36,092
baseline
▲ 0.50% · 4.625%
HK$38,288
+HK$2,196/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$72,184/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,782
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$38,796
−HK$1,028/mo
Today · 4.125%
HK$39,824
baseline
▲ 0.50% · 4.625%
HK$41,923
+HK$2,099/mo
Deposit HK$3.19M · loan HK$7.45M · min. income ≈ HK$79,648/mo (50% DSR)
Upfront cash ≈ HK$3.59M (deposit + AVD stamp duty HK$398,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,666
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$45,024
−HK$1,380/mo
Today · 4.125%
HK$46,404
baseline
▲ 0.50% · 4.625%
HK$49,227
+HK$2,823/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$92,808/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,577
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$49,880
−HK$1,322/mo
Today · 4.125%
HK$51,202
baseline
▲ 0.50% · 4.625%
HK$53,901
+HK$2,699/mo
Deposit HK$1.06M · loan HK$9.57M · min. income ≈ HK$102,404/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,946 · Scale 2, in force from 26 Feb 2026)