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$24,113
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,864
−HK$762/mo
Today · 4.125%
HK$25,626
baseline
▲ 0.50% · 4.625%
HK$27,185
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,252/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,826
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,545
−HK$730/mo
Today · 4.125%
HK$28,275
baseline
▲ 0.50% · 4.625%
HK$29,766
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,550/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,936
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,836
−HK$915/mo
Today · 4.125%
HK$30,751
baseline
▲ 0.50% · 4.625%
HK$32,622
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,502/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,191
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,055
−HK$875/mo
Today · 4.125%
HK$33,930
baseline
▲ 0.50% · 4.625%
HK$35,719
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,860/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,759
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,809
−HK$1,067/mo
Today · 4.125%
HK$35,876
baseline
▲ 0.50% · 4.625%
HK$38,059
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,752/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,556
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,564
−HK$1,021/mo
Today · 4.125%
HK$39,585
baseline
▲ 0.50% · 4.625%
HK$41,672
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,170/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,404
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,754
−HK$1,372/mo
Today · 4.125%
HK$46,126
baseline
▲ 0.50% · 4.625%
HK$48,933
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,252/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,287
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,582
−HK$1,314/mo
Today · 4.125%
HK$50,896
baseline
▲ 0.50% · 4.625%
HK$53,578
+HK$2,682/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,792/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,559 · Scale 2, in force from 26 Feb 2026)