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$24,078
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,827
−HK$760/mo
Today · 4.125%
HK$25,587
baseline
▲ 0.50% · 4.625%
HK$27,144
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,174/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,786
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$729/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,792
−HK$913/mo
Today · 4.125%
HK$30,705
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,410/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,143
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$875/mo
Today · 4.125%
HK$33,880
baseline
▲ 0.50% · 4.625%
HK$35,666
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,760/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,709
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$1,065/mo
Today · 4.125%
HK$35,822
baseline
▲ 0.50% · 4.625%
HK$38,002
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,644/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,500
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,506
−HK$1,021/mo
Today · 4.125%
HK$39,527
baseline
▲ 0.50% · 4.625%
HK$41,610
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,054/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,340
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,688
−HK$1,369/mo
Today · 4.125%
HK$46,057
baseline
▲ 0.50% · 4.625%
HK$48,860
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,114/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,215
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,508
−HK$1,312/mo
Today · 4.125%
HK$50,820
baseline
▲ 0.50% · 4.625%
HK$53,499
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,640/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,969 · Scale 2, in force from 26 Feb 2026)