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$24,091
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$761/mo
Today · 4.125%
HK$25,601
baseline
▲ 0.50% · 4.625%
HK$27,159
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,202/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,801
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,520
−HK$729/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,738
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,909
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,808
−HK$914/mo
Today · 4.125%
HK$30,722
baseline
▲ 0.50% · 4.625%
HK$32,591
+HK$1,869/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,444/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,161
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$875/mo
Today · 4.125%
HK$33,898
baseline
▲ 0.50% · 4.625%
HK$35,685
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,796/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,727
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$1,066/mo
Today · 4.125%
HK$35,842
baseline
▲ 0.50% · 4.625%
HK$38,023
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,684/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,521
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,527
−HK$1,021/mo
Today · 4.125%
HK$39,548
baseline
▲ 0.50% · 4.625%
HK$41,633
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,096/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,363
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,712
−HK$1,371/mo
Today · 4.125%
HK$46,083
baseline
▲ 0.50% · 4.625%
HK$48,887
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,166/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,241
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,535
−HK$1,313/mo
Today · 4.125%
HK$50,848
baseline
▲ 0.50% · 4.625%
HK$53,528
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,696/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,186 · Scale 2, in force from 26 Feb 2026)