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$24,144
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,895
−HK$763/mo
Today · 4.125%
HK$25,658
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,562/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,316/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,860
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$27,581
−HK$731/mo
Today · 4.125%
HK$28,312
baseline
▲ 0.50% · 4.625%
HK$29,804
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,624/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,973
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,874
−HK$916/mo
Today · 4.125%
HK$30,790
baseline
▲ 0.50% · 4.625%
HK$32,664
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,580/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,232
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,097
−HK$877/mo
Today · 4.125%
HK$33,974
baseline
▲ 0.50% · 4.625%
HK$35,765
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,948/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,802
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,854
−HK$1,068/mo
Today · 4.125%
HK$35,922
baseline
▲ 0.50% · 4.625%
HK$38,108
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,844/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,605
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,613
−HK$1,023/mo
Today · 4.125%
HK$39,636
baseline
▲ 0.50% · 4.625%
HK$41,725
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,272/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,460
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,812
−HK$1,373/mo
Today · 4.125%
HK$46,185
baseline
▲ 0.50% · 4.625%
HK$48,995
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,370/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,349
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,645
−HK$1,316/mo
Today · 4.125%
HK$50,961
baseline
▲ 0.50% · 4.625%
HK$53,647
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,922/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,067 · Scale 2, in force from 26 Feb 2026)