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$24,074
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,823
−HK$761/mo
Today · 4.125%
HK$25,584
baseline
▲ 0.50% · 4.625%
HK$27,140
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,168/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$729/mo
Today · 4.125%
HK$28,229
baseline
▲ 0.50% · 4.625%
HK$29,717
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,458/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,889
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,787
−HK$913/mo
Today · 4.125%
HK$30,700
baseline
▲ 0.50% · 4.625%
HK$32,568
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,400/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,138
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,000
−HK$875/mo
Today · 4.125%
HK$33,875
baseline
▲ 0.50% · 4.625%
HK$35,660
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,750/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,703
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,752
−HK$1,065/mo
Today · 4.125%
HK$35,817
baseline
▲ 0.50% · 4.625%
HK$37,996
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,634/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,495
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,500
−HK$1,020/mo
Today · 4.125%
HK$39,520
baseline
▲ 0.50% · 4.625%
HK$41,604
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,040/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,333
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,681
−HK$1,369/mo
Today · 4.125%
HK$46,050
baseline
▲ 0.50% · 4.625%
HK$48,852
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,100/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,207
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,500
−HK$1,312/mo
Today · 4.125%
HK$50,812
baseline
▲ 0.50% · 4.625%
HK$53,490
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,624/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,908 · Scale 2, in force from 26 Feb 2026)