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$24,177
−HK$1,516/mo
▼ 0.25% · 3.875%
HK$24,929
−HK$764/mo
Today · 4.125%
HK$25,693
baseline
▲ 0.50% · 4.625%
HK$27,256
+HK$1,563/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,386/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,897
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$732/mo
Today · 4.125%
HK$28,350
baseline
▲ 0.50% · 4.625%
HK$29,844
+HK$1,494/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,700/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,012
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,915
−HK$917/mo
Today · 4.125%
HK$30,832
baseline
▲ 0.50% · 4.625%
HK$32,708
+HK$1,876/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$61,664/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,276
−HK$1,744/mo
▼ 0.25% · 3.875%
HK$33,142
−HK$878/mo
Today · 4.125%
HK$34,020
baseline
▲ 0.50% · 4.625%
HK$35,813
+HK$1,793/mo
Deposit HK$4.24M · loan HK$6.36M · min. income ≈ HK$68,040/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,848
−HK$2,122/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$1,069/mo
Today · 4.125%
HK$35,970
baseline
▲ 0.50% · 4.625%
HK$38,159
+HK$2,189/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$71,940/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,655
−HK$2,035/mo
▼ 0.25% · 3.875%
HK$38,665
−HK$1,025/mo
Today · 4.125%
HK$39,690
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,092/mo
Deposit HK$3.18M · loan HK$7.42M · min. income ≈ HK$79,380/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,519
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$44,872
−HK$1,376/mo
Today · 4.125%
HK$46,248
baseline
▲ 0.50% · 4.625%
HK$49,062
+HK$2,814/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$92,496/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,414
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$49,712
−HK$1,318/mo
Today · 4.125%
HK$51,030
baseline
▲ 0.50% · 4.625%
HK$53,719
+HK$2,689/mo
Deposit HK$1.06M · loan HK$9.54M · min. income ≈ HK$102,060/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,603 · Scale 2, in force from 26 Feb 2026)