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$24,138
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,889
−HK$763/mo
Today · 4.125%
HK$25,652
baseline
▲ 0.50% · 4.625%
HK$27,213
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,304/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,854
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,574
−HK$730/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$29,796
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,608/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,966
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,867
−HK$915/mo
Today · 4.125%
HK$30,782
baseline
▲ 0.50% · 4.625%
HK$32,655
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,564/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,224
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,089
−HK$876/mo
Today · 4.125%
HK$33,965
baseline
▲ 0.50% · 4.625%
HK$35,756
+HK$1,791/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,930/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,794
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,845
−HK$1,068/mo
Today · 4.125%
HK$35,913
baseline
▲ 0.50% · 4.625%
HK$38,098
+HK$2,185/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,826/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,595
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,603
−HK$1,023/mo
Today · 4.125%
HK$39,626
baseline
▲ 0.50% · 4.625%
HK$41,715
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,252/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,449
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,801
−HK$1,373/mo
Today · 4.125%
HK$46,174
baseline
▲ 0.50% · 4.625%
HK$48,983
+HK$2,809/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,348/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,337
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,633
−HK$1,315/mo
Today · 4.125%
HK$50,948
baseline
▲ 0.50% · 4.625%
HK$53,634
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,896/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,968 · Scale 2, in force from 26 Feb 2026)