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$24,095
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,844
−HK$762/mo
Today · 4.125%
HK$25,606
baseline
▲ 0.50% · 4.625%
HK$27,164
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,212/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,805
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,524
−HK$729/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,743
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,914
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,813
−HK$914/mo
Today · 4.125%
HK$30,727
baseline
▲ 0.50% · 4.625%
HK$32,596
+HK$1,869/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,454/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,166
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,029
−HK$875/mo
Today · 4.125%
HK$33,904
baseline
▲ 0.50% · 4.625%
HK$35,691
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,808/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,733
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,782
−HK$1,066/mo
Today · 4.125%
HK$35,848
baseline
▲ 0.50% · 4.625%
HK$38,029
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,696/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,527
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,534
−HK$1,021/mo
Today · 4.125%
HK$39,555
baseline
▲ 0.50% · 4.625%
HK$41,640
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,110/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,370
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,720
−HK$1,370/mo
Today · 4.125%
HK$46,090
baseline
▲ 0.50% · 4.625%
HK$48,895
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,180/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,249
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,543
−HK$1,313/mo
Today · 4.125%
HK$50,856
baseline
▲ 0.50% · 4.625%
HK$53,537
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,712/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,250 · Scale 2, in force from 26 Feb 2026)