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$24,127
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$762/mo
Today · 4.125%
HK$25,640
baseline
▲ 0.50% · 4.625%
HK$27,200
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,280/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,841
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,561
−HK$730/mo
Today · 4.125%
HK$28,291
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,582/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,952
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$915/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,640
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,209
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,073
−HK$876/mo
Today · 4.125%
HK$33,949
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,898/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,778
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,829
−HK$1,067/mo
Today · 4.125%
HK$35,896
baseline
▲ 0.50% · 4.625%
HK$38,080
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,792/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,578
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,585
−HK$1,023/mo
Today · 4.125%
HK$39,608
baseline
▲ 0.50% · 4.625%
HK$41,695
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,216/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,429
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,780
−HK$1,372/mo
Today · 4.125%
HK$46,152
baseline
▲ 0.50% · 4.625%
HK$48,960
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,304/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,314
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,610
−HK$1,314/mo
Today · 4.125%
HK$50,924
baseline
▲ 0.50% · 4.625%
HK$53,608
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,848/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,782 · Scale 2, in force from 26 Feb 2026)