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$24,103
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,853
−HK$762/mo
Today · 4.125%
HK$25,615
baseline
▲ 0.50% · 4.625%
HK$27,173
+HK$1,558/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,230/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,815
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,534
−HK$730/mo
Today · 4.125%
HK$28,264
baseline
▲ 0.50% · 4.625%
HK$29,753
+HK$1,489/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,528/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,924
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,824
−HK$914/mo
Today · 4.125%
HK$30,738
baseline
▲ 0.50% · 4.625%
HK$32,608
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,476/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,178
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,041
−HK$875/mo
Today · 4.125%
HK$33,916
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,832/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,745
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,794
−HK$1,067/mo
Today · 4.125%
HK$35,861
baseline
▲ 0.50% · 4.625%
HK$38,043
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,722/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,541
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,548
−HK$1,021/mo
Today · 4.125%
HK$39,569
baseline
▲ 0.50% · 4.625%
HK$41,655
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,138/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,386
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,736
−HK$1,371/mo
Today · 4.125%
HK$46,107
baseline
▲ 0.50% · 4.625%
HK$48,912
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,214/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,267
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,561
−HK$1,313/mo
Today · 4.125%
HK$50,874
baseline
▲ 0.50% · 4.625%
HK$53,556
+HK$2,682/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,748/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,393 · Scale 2, in force from 26 Feb 2026)