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$24,126
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,876
−HK$763/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$730/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$29,781
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,951
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,852
−HK$915/mo
Today · 4.125%
HK$30,767
baseline
▲ 0.50% · 4.625%
HK$32,639
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,534/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,208
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,072
−HK$876/mo
Today · 4.125%
HK$33,948
baseline
▲ 0.50% · 4.625%
HK$35,737
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,896/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,776
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,827
−HK$1,067/mo
Today · 4.125%
HK$35,894
baseline
▲ 0.50% · 4.625%
HK$38,078
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,788/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,576
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,583
−HK$1,023/mo
Today · 4.125%
HK$39,606
baseline
▲ 0.50% · 4.625%
HK$41,694
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,212/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,427
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,777
−HK$1,373/mo
Today · 4.125%
HK$46,150
baseline
▲ 0.50% · 4.625%
HK$48,958
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,300/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,312
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,607
−HK$1,315/mo
Today · 4.125%
HK$50,922
baseline
▲ 0.50% · 4.625%
HK$53,606
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,844/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,763 · Scale 2, in force from 26 Feb 2026)