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$1,510/mo
▼ 0.25% · 3.875%
HK$24,822
−HK$761/mo
Today · 4.125%
HK$25,583
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,166/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,781
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$728/mo
Today · 4.125%
HK$28,228
baseline
▲ 0.50% · 4.625%
HK$29,716
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,456/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,888
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$913/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,138
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$874/mo
Today · 4.125%
HK$33,874
baseline
▲ 0.50% · 4.625%
HK$35,660
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,748/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,703
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,751
−HK$1,065/mo
Today · 4.125%
HK$35,816
baseline
▲ 0.50% · 4.625%
HK$37,996
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,632/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,494
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,500
−HK$1,020/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,603
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,040/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,332
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,680
−HK$1,370/mo
Today · 4.125%
HK$46,050
baseline
▲ 0.50% · 4.625%
HK$48,852
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,100/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,207
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,500
−HK$1,311/mo
Today · 4.125%
HK$50,811
baseline
▲ 0.50% · 4.625%
HK$53,489
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,622/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,901 · Scale 2, in force from 26 Feb 2026)