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$1,511/mo
▼ 0.25% · 3.875%
HK$24,849
−HK$762/mo
Today · 4.125%
HK$25,611
baseline
▲ 0.50% · 4.625%
HK$27,169
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,222/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,811
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,530
−HK$729/mo
Today · 4.125%
HK$28,259
baseline
▲ 0.50% · 4.625%
HK$29,749
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,518/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,920
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,819
−HK$914/mo
Today · 4.125%
HK$30,733
baseline
▲ 0.50% · 4.625%
HK$32,603
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,466/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,173
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,036
−HK$875/mo
Today · 4.125%
HK$33,911
baseline
▲ 0.50% · 4.625%
HK$35,699
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,822/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,740
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,789
−HK$1,066/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$38,037
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,535
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,542
−HK$1,021/mo
Today · 4.125%
HK$39,563
baseline
▲ 0.50% · 4.625%
HK$41,648
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,126/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,380
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,729
−HK$1,371/mo
Today · 4.125%
HK$46,100
baseline
▲ 0.50% · 4.625%
HK$48,905
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,200/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,259
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,554
−HK$1,313/mo
Today · 4.125%
HK$50,867
baseline
▲ 0.50% · 4.625%
HK$53,548
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,734/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,333 · Scale 2, in force from 26 Feb 2026)