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$24,114
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$762/mo
Today · 4.125%
HK$25,626
baseline
▲ 0.50% · 4.625%
HK$27,186
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,252/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,827
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,546
−HK$730/mo
Today · 4.125%
HK$28,276
baseline
▲ 0.50% · 4.625%
HK$29,767
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,552/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,937
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,837
−HK$915/mo
Today · 4.125%
HK$30,752
baseline
▲ 0.50% · 4.625%
HK$32,623
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,504/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,192
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$876/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,720
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,760
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,810
−HK$1,067/mo
Today · 4.125%
HK$35,877
baseline
▲ 0.50% · 4.625%
HK$38,060
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,754/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,557
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,565
−HK$1,021/mo
Today · 4.125%
HK$39,586
baseline
▲ 0.50% · 4.625%
HK$41,673
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,172/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,405
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,756
−HK$1,371/mo
Today · 4.125%
HK$46,127
baseline
▲ 0.50% · 4.625%
HK$48,934
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,254/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,288
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,583
−HK$1,314/mo
Today · 4.125%
HK$50,897
baseline
▲ 0.50% · 4.625%
HK$53,580
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,794/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,569 · Scale 2, in force from 26 Feb 2026)