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$24,131
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,881
−HK$763/mo
Today · 4.125%
HK$25,644
baseline
▲ 0.50% · 4.625%
HK$27,204
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,288/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,845
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,565
−HK$730/mo
Today · 4.125%
HK$28,295
baseline
▲ 0.50% · 4.625%
HK$29,787
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,590/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,957
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,857
−HK$915/mo
Today · 4.125%
HK$30,772
baseline
▲ 0.50% · 4.625%
HK$32,645
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,544/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,214
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,078
−HK$876/mo
Today · 4.125%
HK$33,954
baseline
▲ 0.50% · 4.625%
HK$35,744
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,908/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,783
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,834
−HK$1,067/mo
Today · 4.125%
HK$35,901
baseline
▲ 0.50% · 4.625%
HK$38,086
+HK$2,185/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,802/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,583
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,591
−HK$1,022/mo
Today · 4.125%
HK$39,613
baseline
▲ 0.50% · 4.625%
HK$41,701
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,226/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,435
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,786
−HK$1,373/mo
Today · 4.125%
HK$46,159
baseline
▲ 0.50% · 4.625%
HK$48,967
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,318/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,321
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,617
−HK$1,315/mo
Today · 4.125%
HK$50,932
baseline
▲ 0.50% · 4.625%
HK$53,616
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,864/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,839 · Scale 2, in force from 26 Feb 2026)