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$24,063
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$761/mo
Today · 4.125%
HK$25,572
baseline
▲ 0.50% · 4.625%
HK$27,128
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,144/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,769
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$729/mo
Today · 4.125%
HK$28,216
baseline
▲ 0.50% · 4.625%
HK$29,703
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,432/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,875
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,773
−HK$913/mo
Today · 4.125%
HK$30,686
baseline
▲ 0.50% · 4.625%
HK$32,553
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,372/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,123
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,985
−HK$874/mo
Today · 4.125%
HK$33,859
baseline
▲ 0.50% · 4.625%
HK$35,644
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,718/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,688
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,736
−HK$1,064/mo
Today · 4.125%
HK$35,800
baseline
▲ 0.50% · 4.625%
HK$37,979
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,600/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,477
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,020/mo
Today · 4.125%
HK$39,502
baseline
▲ 0.50% · 4.625%
HK$41,584
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,004/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,313
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,660
−HK$1,369/mo
Today · 4.125%
HK$46,029
baseline
▲ 0.50% · 4.625%
HK$48,830
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,058/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,185
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,477
−HK$1,311/mo
Today · 4.125%
HK$50,788
baseline
▲ 0.50% · 4.625%
HK$53,465
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,576/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,722 · Scale 2, in force from 26 Feb 2026)