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$24,069
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,818
−HK$761/mo
Today · 4.125%
HK$25,579
baseline
▲ 0.50% · 4.625%
HK$27,135
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,158/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,777
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,495
−HK$729/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,711
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,883
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,782
−HK$913/mo
Today · 4.125%
HK$30,695
baseline
▲ 0.50% · 4.625%
HK$32,562
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,390/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,132
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$32,994
−HK$875/mo
Today · 4.125%
HK$33,869
baseline
▲ 0.50% · 4.625%
HK$35,654
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,738/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,697
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$1,065/mo
Today · 4.125%
HK$35,810
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,620/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,488
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,493
−HK$1,020/mo
Today · 4.125%
HK$39,513
baseline
▲ 0.50% · 4.625%
HK$41,596
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,026/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,325
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,673
−HK$1,369/mo
Today · 4.125%
HK$46,042
baseline
▲ 0.50% · 4.625%
HK$48,844
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,084/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,199
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,491
−HK$1,312/mo
Today · 4.125%
HK$50,803
baseline
▲ 0.50% · 4.625%
HK$53,481
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,606/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,836 · Scale 2, in force from 26 Feb 2026)