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$24,192
−HK$1,517/mo
▼ 0.25% · 3.875%
HK$24,945
−HK$764/mo
Today · 4.125%
HK$25,709
baseline
▲ 0.50% · 4.625%
HK$27,274
+HK$1,565/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$51,418/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,914
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$27,635
−HK$733/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$29,863
+HK$1,495/mo
Deposit HK$5.30M · loan HK$5.30M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$397,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,031
−HK$1,820/mo
▼ 0.25% · 3.875%
HK$29,934
−HK$917/mo
Today · 4.125%
HK$30,851
baseline
▲ 0.50% · 4.625%
HK$32,728
+HK$1,877/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$61,702/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,296
−HK$1,745/mo
▼ 0.25% · 3.875%
HK$33,162
−HK$879/mo
Today · 4.125%
HK$34,041
baseline
▲ 0.50% · 4.625%
HK$35,835
+HK$1,794/mo
Deposit HK$4.24M · loan HK$6.37M · min. income ≈ HK$68,082/mo (50% DSR)
Upfront cash ≈ HK$4.64M (deposit + AVD stamp duty HK$397,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,869
−HK$2,124/mo
▼ 0.25% · 3.875%
HK$34,923
−HK$1,070/mo
Today · 4.125%
HK$35,993
baseline
▲ 0.50% · 4.625%
HK$38,183
+HK$2,190/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$71,986/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,679
−HK$2,036/mo
▼ 0.25% · 3.875%
HK$38,689
−HK$1,026/mo
Today · 4.125%
HK$39,715
baseline
▲ 0.50% · 4.625%
HK$41,808
+HK$2,093/mo
Deposit HK$3.18M · loan HK$7.43M · min. income ≈ HK$79,430/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$397,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,546
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$44,900
−HK$1,377/mo
Today · 4.125%
HK$46,277
baseline
▲ 0.50% · 4.625%
HK$49,092
+HK$2,815/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$92,554/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,444
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$49,744
−HK$1,318/mo
Today · 4.125%
HK$51,062
baseline
▲ 0.50% · 4.625%
HK$53,753
+HK$2,691/mo
Deposit HK$1.06M · loan HK$9.55M · min. income ≈ HK$102,124/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,853 · Scale 2, in force from 26 Feb 2026)