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$24,058
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,806
−HK$760/mo
Today · 4.125%
HK$25,566
baseline
▲ 0.50% · 4.625%
HK$27,122
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,132/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,764
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,482
−HK$728/mo
Today · 4.125%
HK$28,210
baseline
▲ 0.50% · 4.625%
HK$29,697
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,420/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,869
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,767
−HK$913/mo
Today · 4.125%
HK$30,680
baseline
▲ 0.50% · 4.625%
HK$32,546
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,360/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,117
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,978
−HK$874/mo
Today · 4.125%
HK$33,852
baseline
▲ 0.50% · 4.625%
HK$35,636
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,704/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,681
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,729
−HK$1,064/mo
Today · 4.125%
HK$35,793
baseline
▲ 0.50% · 4.625%
HK$37,971
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,586/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,470
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,475
−HK$1,019/mo
Today · 4.125%
HK$39,494
baseline
▲ 0.50% · 4.625%
HK$41,576
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$78,988/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,304
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,651
−HK$1,368/mo
Today · 4.125%
HK$46,019
baseline
▲ 0.50% · 4.625%
HK$48,820
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,038/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,175
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,467
−HK$1,311/mo
Today · 4.125%
HK$50,778
baseline
▲ 0.50% · 4.625%
HK$53,455
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,556/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,643 · Scale 2, in force from 26 Feb 2026)