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$24,087
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$761/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$27,155
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$729/mo
Today · 4.125%
HK$28,245
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,490/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,905
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,804
−HK$913/mo
Today · 4.125%
HK$30,717
baseline
▲ 0.50% · 4.625%
HK$32,587
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,434/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,156
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,019
−HK$875/mo
Today · 4.125%
HK$33,894
baseline
▲ 0.50% · 4.625%
HK$35,680
+HK$1,786/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,788/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,722
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$1,066/mo
Today · 4.125%
HK$35,837
baseline
▲ 0.50% · 4.625%
HK$38,018
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,674/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,516
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,522
−HK$1,021/mo
Today · 4.125%
HK$39,543
baseline
▲ 0.50% · 4.625%
HK$41,627
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,086/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,357
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,706
−HK$1,370/mo
Today · 4.125%
HK$46,076
baseline
▲ 0.50% · 4.625%
HK$48,880
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,152/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,235
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,528
−HK$1,312/mo
Today · 4.125%
HK$50,840
baseline
▲ 0.50% · 4.625%
HK$53,520
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,680/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,130 · Scale 2, in force from 26 Feb 2026)