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$24,081
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$761/mo
Today · 4.125%
HK$25,592
baseline
▲ 0.50% · 4.625%
HK$27,149
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,184/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,790
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$729/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,726
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,898
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$913/mo
Today · 4.125%
HK$30,710
baseline
▲ 0.50% · 4.625%
HK$32,579
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,420/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,148
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$874/mo
Today · 4.125%
HK$33,885
baseline
▲ 0.50% · 4.625%
HK$35,672
+HK$1,787/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,770/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,714
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$1,065/mo
Today · 4.125%
HK$35,828
baseline
▲ 0.50% · 4.625%
HK$38,008
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,656/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,507
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,512
−HK$1,021/mo
Today · 4.125%
HK$39,533
baseline
▲ 0.50% · 4.625%
HK$41,617
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,066/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,347
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,695
−HK$1,370/mo
Today · 4.125%
HK$46,065
baseline
▲ 0.50% · 4.625%
HK$48,868
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,130/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,223
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,516
−HK$1,312/mo
Today · 4.125%
HK$50,828
baseline
▲ 0.50% · 4.625%
HK$53,507
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,656/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,033 · Scale 2, in force from 26 Feb 2026)