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$24,108
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,858
−HK$762/mo
Today · 4.125%
HK$25,620
baseline
▲ 0.50% · 4.625%
HK$27,179
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,240/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,820
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,540
−HK$729/mo
Today · 4.125%
HK$28,269
baseline
▲ 0.50% · 4.625%
HK$29,760
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,538/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,930
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,830
−HK$914/mo
Today · 4.125%
HK$30,744
baseline
▲ 0.50% · 4.625%
HK$32,615
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,488/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,185
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,048
−HK$875/mo
Today · 4.125%
HK$33,923
baseline
▲ 0.50% · 4.625%
HK$35,711
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,846/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,752
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,802
−HK$1,066/mo
Today · 4.125%
HK$35,868
baseline
▲ 0.50% · 4.625%
HK$38,051
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,736/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,549
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,556
−HK$1,021/mo
Today · 4.125%
HK$39,577
baseline
▲ 0.50% · 4.625%
HK$41,663
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,154/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,395
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,745
−HK$1,372/mo
Today · 4.125%
HK$46,117
baseline
▲ 0.50% · 4.625%
HK$48,923
+HK$2,806/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,234/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,277
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,572
−HK$1,313/mo
Today · 4.125%
HK$50,885
baseline
▲ 0.50% · 4.625%
HK$53,567
+HK$2,682/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,770/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,477 · Scale 2, in force from 26 Feb 2026)