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$24,065
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,813
−HK$761/mo
Today · 4.125%
HK$25,574
baseline
▲ 0.50% · 4.625%
HK$27,130
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,148/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,772
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,490
−HK$728/mo
Today · 4.125%
HK$28,218
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,436/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,878
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,776
−HK$913/mo
Today · 4.125%
HK$30,689
baseline
▲ 0.50% · 4.625%
HK$32,556
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,378/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,126
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,988
−HK$874/mo
Today · 4.125%
HK$33,862
baseline
▲ 0.50% · 4.625%
HK$35,647
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,724/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,691
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,739
−HK$1,065/mo
Today · 4.125%
HK$35,804
baseline
▲ 0.50% · 4.625%
HK$37,982
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,608/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,481
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,486
−HK$1,020/mo
Today · 4.125%
HK$39,506
baseline
▲ 0.50% · 4.625%
HK$41,588
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,012/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,317
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,664
−HK$1,369/mo
Today · 4.125%
HK$46,033
baseline
▲ 0.50% · 4.625%
HK$48,834
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,066/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,190
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,482
−HK$1,311/mo
Today · 4.125%
HK$50,793
baseline
▲ 0.50% · 4.625%
HK$53,471
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,586/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,761 · Scale 2, in force from 26 Feb 2026)