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$24,062
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,810
−HK$760/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$27,126
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,768
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,486
−HK$728/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,702
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,874
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,772
−HK$912/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,552
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,122
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,983
−HK$874/mo
Today · 4.125%
HK$33,857
baseline
▲ 0.50% · 4.625%
HK$35,642
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,714/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,686
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,734
−HK$1,065/mo
Today · 4.125%
HK$35,799
baseline
▲ 0.50% · 4.625%
HK$37,977
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,598/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,475
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,481
−HK$1,019/mo
Today · 4.125%
HK$39,500
baseline
▲ 0.50% · 4.625%
HK$41,582
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,000/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,311
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,658
−HK$1,369/mo
Today · 4.125%
HK$46,027
baseline
▲ 0.50% · 4.625%
HK$48,827
+HK$2,800/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,054/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,183
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,475
−HK$1,311/mo
Today · 4.125%
HK$50,786
baseline
▲ 0.50% · 4.625%
HK$53,463
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,572/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,705 · Scale 2, in force from 26 Feb 2026)