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$24,097
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,847
−HK$761/mo
Today · 4.125%
HK$25,608
baseline
▲ 0.50% · 4.625%
HK$27,167
+HK$1,559/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,216/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,808
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,527
−HK$729/mo
Today · 4.125%
HK$28,256
baseline
▲ 0.50% · 4.625%
HK$29,746
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,512/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,917
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,816
−HK$914/mo
Today · 4.125%
HK$30,730
baseline
▲ 0.50% · 4.625%
HK$32,600
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,460/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,170
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,032
−HK$876/mo
Today · 4.125%
HK$33,908
baseline
▲ 0.50% · 4.625%
HK$35,695
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,816/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,736
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,786
−HK$1,066/mo
Today · 4.125%
HK$35,852
baseline
▲ 0.50% · 4.625%
HK$38,033
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,704/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,531
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,538
−HK$1,021/mo
Today · 4.125%
HK$39,559
baseline
▲ 0.50% · 4.625%
HK$41,644
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,118/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,375
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,724
−HK$1,371/mo
Today · 4.125%
HK$46,095
baseline
▲ 0.50% · 4.625%
HK$48,900
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,190/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,254
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,548
−HK$1,313/mo
Today · 4.125%
HK$50,861
baseline
▲ 0.50% · 4.625%
HK$53,542
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,722/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,292 · Scale 2, in force from 26 Feb 2026)