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$24,099
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$761/mo
Today · 4.125%
HK$25,610
baseline
▲ 0.50% · 4.625%
HK$27,169
+HK$1,559/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,220/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,810
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$730/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,919
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$914/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,603
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,172
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,035
−HK$875/mo
Today · 4.125%
HK$33,910
baseline
▲ 0.50% · 4.625%
HK$35,698
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,820/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,739
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$1,067/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,534
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,541
−HK$1,021/mo
Today · 4.125%
HK$39,562
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,124/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,379
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,728
−HK$1,371/mo
Today · 4.125%
HK$46,099
baseline
▲ 0.50% · 4.625%
HK$48,904
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,198/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,258
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,553
−HK$1,313/mo
Today · 4.125%
HK$50,866
baseline
▲ 0.50% · 4.625%
HK$53,547
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,732/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,325 · Scale 2, in force from 26 Feb 2026)