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$24,100
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,850
−HK$762/mo
Today · 4.125%
HK$25,612
baseline
▲ 0.50% · 4.625%
HK$27,170
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,224/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,811
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,530
−HK$730/mo
Today · 4.125%
HK$28,260
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,520/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,820
−HK$914/mo
Today · 4.125%
HK$30,734
baseline
▲ 0.50% · 4.625%
HK$32,604
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,468/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,174
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,037
−HK$875/mo
Today · 4.125%
HK$33,912
baseline
▲ 0.50% · 4.625%
HK$35,699
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,824/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,790
−HK$1,066/mo
Today · 4.125%
HK$35,856
baseline
▲ 0.50% · 4.625%
HK$38,038
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,712/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,536
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,543
−HK$1,021/mo
Today · 4.125%
HK$39,564
baseline
▲ 0.50% · 4.625%
HK$41,649
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,128/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,381
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,730
−HK$1,371/mo
Today · 4.125%
HK$46,101
baseline
▲ 0.50% · 4.625%
HK$48,906
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,202/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,260
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,555
−HK$1,313/mo
Today · 4.125%
HK$50,868
baseline
▲ 0.50% · 4.625%
HK$53,549
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,736/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,343 · Scale 2, in force from 26 Feb 2026)