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$24,211
−HK$1,518/mo
▼ 0.25% · 3.875%
HK$24,964
−HK$765/mo
Today · 4.125%
HK$25,729
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,565/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$51,458/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,934
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$27,656
−HK$733/mo
Today · 4.125%
HK$28,389
baseline
▲ 0.50% · 4.625%
HK$29,886
+HK$1,497/mo
Deposit HK$5.31M · loan HK$5.31M · min. income ≈ HK$56,778/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$398,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,053
−HK$1,822/mo
▼ 0.25% · 3.875%
HK$29,956
−HK$919/mo
Today · 4.125%
HK$30,875
baseline
▲ 0.50% · 4.625%
HK$32,753
+HK$1,878/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$61,750/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,321
−HK$1,746/mo
▼ 0.25% · 3.875%
HK$33,188
−HK$879/mo
Today · 4.125%
HK$34,067
baseline
▲ 0.50% · 4.625%
HK$35,863
+HK$1,796/mo
Deposit HK$4.25M · loan HK$6.37M · min. income ≈ HK$68,134/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$398,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,895
−HK$2,125/mo
▼ 0.25% · 3.875%
HK$34,949
−HK$1,071/mo
Today · 4.125%
HK$36,020
baseline
▲ 0.50% · 4.625%
HK$38,212
+HK$2,192/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$72,040/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,708
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$38,719
−HK$1,026/mo
Today · 4.125%
HK$39,745
baseline
▲ 0.50% · 4.625%
HK$41,840
+HK$2,095/mo
Deposit HK$3.19M · loan HK$7.43M · min. income ≈ HK$79,490/mo (50% DSR)
Upfront cash ≈ HK$3.58M (deposit + AVD stamp duty HK$398,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,579
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$44,935
−HK$1,377/mo
Today · 4.125%
HK$46,312
baseline
▲ 0.50% · 4.625%
HK$49,130
+HK$2,818/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$92,624/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,481
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$49,781
−HK$1,320/mo
Today · 4.125%
HK$51,101
baseline
▲ 0.50% · 4.625%
HK$53,794
+HK$2,693/mo
Deposit HK$1.06M · loan HK$9.56M · min. income ≈ HK$102,202/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$398,156 · Scale 2, in force from 26 Feb 2026)