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$24,071
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$761/mo
Today · 4.125%
HK$25,581
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,162/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,779
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,497
−HK$729/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,714
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,885
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$913/mo
Today · 4.125%
HK$30,697
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,394/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,135
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,997
−HK$874/mo
Today · 4.125%
HK$33,871
baseline
▲ 0.50% · 4.625%
HK$35,656
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,742/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,700
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,748
−HK$1,065/mo
Today · 4.125%
HK$35,813
baseline
▲ 0.50% · 4.625%
HK$37,992
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,626/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,491
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,496
−HK$1,020/mo
Today · 4.125%
HK$39,516
baseline
▲ 0.50% · 4.625%
HK$41,599
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,032/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,328
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,369/mo
Today · 4.125%
HK$46,045
baseline
▲ 0.50% · 4.625%
HK$48,847
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,090/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,202
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,495
−HK$1,311/mo
Today · 4.125%
HK$50,806
baseline
▲ 0.50% · 4.625%
HK$53,484
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,612/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,864 · Scale 2, in force from 26 Feb 2026)