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$24,199
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,951
−HK$765/mo
Today · 4.125%
HK$25,716
baseline
▲ 0.50% · 4.625%
HK$27,281
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,432/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,921
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,643
−HK$732/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$29,871
+HK$1,496/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,038
−HK$1,821/mo
▼ 0.25% · 3.875%
HK$29,942
−HK$917/mo
Today · 4.125%
HK$30,859
baseline
▲ 0.50% · 4.625%
HK$32,737
+HK$1,878/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,718/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,305
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,171
−HK$879/mo
Today · 4.125%
HK$34,050
baseline
▲ 0.50% · 4.625%
HK$35,845
+HK$1,795/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,100/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,878
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,932
−HK$1,071/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$38,193
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,689
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,700
−HK$1,025/mo
Today · 4.125%
HK$39,725
baseline
▲ 0.50% · 4.625%
HK$41,819
+HK$2,094/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,450/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,558
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,913
−HK$1,376/mo
Today · 4.125%
HK$46,289
baseline
▲ 0.50% · 4.625%
HK$49,106
+HK$2,817/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,578/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,457
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,757
−HK$1,318/mo
Today · 4.125%
HK$51,075
baseline
▲ 0.50% · 4.625%
HK$53,768
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,150/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,961 · Scale 2, in force from 26 Feb 2026)