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$24,073
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,821
−HK$761/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$27,139
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,781
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,499
−HK$728/mo
Today · 4.125%
HK$28,227
baseline
▲ 0.50% · 4.625%
HK$29,715
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,454/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,887
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,786
−HK$913/mo
Today · 4.125%
HK$30,699
baseline
▲ 0.50% · 4.625%
HK$32,567
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,398/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,137
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,998
−HK$875/mo
Today · 4.125%
HK$33,873
baseline
▲ 0.50% · 4.625%
HK$35,658
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,746/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,702
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,750
−HK$1,065/mo
Today · 4.125%
HK$35,815
baseline
▲ 0.50% · 4.625%
HK$37,994
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,630/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,493
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,498
−HK$1,020/mo
Today · 4.125%
HK$39,518
baseline
▲ 0.50% · 4.625%
HK$41,601
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,036/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,331
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,678
−HK$1,370/mo
Today · 4.125%
HK$46,048
baseline
▲ 0.50% · 4.625%
HK$48,850
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,096/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,205
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,498
−HK$1,311/mo
Today · 4.125%
HK$50,809
baseline
▲ 0.50% · 4.625%
HK$53,487
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,618/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,887 · Scale 2, in force from 26 Feb 2026)