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$24,080
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,829
−HK$761/mo
Today · 4.125%
HK$25,590
baseline
▲ 0.50% · 4.625%
HK$27,147
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,180/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,788
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,507
−HK$729/mo
Today · 4.125%
HK$28,236
baseline
▲ 0.50% · 4.625%
HK$29,724
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,472/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,895
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,794
−HK$913/mo
Today · 4.125%
HK$30,707
baseline
▲ 0.50% · 4.625%
HK$32,576
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,414/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,146
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,008
−HK$875/mo
Today · 4.125%
HK$33,883
baseline
▲ 0.50% · 4.625%
HK$35,669
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,766/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,711
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,760
−HK$1,065/mo
Today · 4.125%
HK$35,825
baseline
▲ 0.50% · 4.625%
HK$38,005
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,650/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,504
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,509
−HK$1,021/mo
Today · 4.125%
HK$39,530
baseline
▲ 0.50% · 4.625%
HK$41,613
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,060/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,343
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,691
−HK$1,370/mo
Today · 4.125%
HK$46,061
baseline
▲ 0.50% · 4.625%
HK$48,864
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,122/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,219
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,512
−HK$1,312/mo
Today · 4.125%
HK$50,824
baseline
▲ 0.50% · 4.625%
HK$53,503
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,648/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,001 · Scale 2, in force from 26 Feb 2026)