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$24,126
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,877
−HK$762/mo
Today · 4.125%
HK$25,639
baseline
▲ 0.50% · 4.625%
HK$27,199
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,278/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,840
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$730/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,952
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,852
−HK$915/mo
Today · 4.125%
HK$30,767
baseline
▲ 0.50% · 4.625%
HK$32,639
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,534/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,208
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,072
−HK$876/mo
Today · 4.125%
HK$33,948
baseline
▲ 0.50% · 4.625%
HK$35,738
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,896/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,777
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$1,067/mo
Today · 4.125%
HK$35,895
baseline
▲ 0.50% · 4.625%
HK$38,079
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,790/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,576
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,584
−HK$1,023/mo
Today · 4.125%
HK$39,607
baseline
▲ 0.50% · 4.625%
HK$41,694
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,214/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,427
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,778
−HK$1,373/mo
Today · 4.125%
HK$46,151
baseline
▲ 0.50% · 4.625%
HK$48,959
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,302/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,313
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,608
−HK$1,315/mo
Today · 4.125%
HK$50,923
baseline
▲ 0.50% · 4.625%
HK$53,607
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,846/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,771 · Scale 2, in force from 26 Feb 2026)