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$24,105
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,854
−HK$762/mo
Today · 4.125%
HK$25,616
baseline
▲ 0.50% · 4.625%
HK$27,175
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,232/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,816
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,535
−HK$730/mo
Today · 4.125%
HK$28,265
baseline
▲ 0.50% · 4.625%
HK$29,755
+HK$1,490/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,530/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,925
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,825
−HK$914/mo
Today · 4.125%
HK$30,739
baseline
▲ 0.50% · 4.625%
HK$32,610
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,478/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,179
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,042
−HK$876/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,706
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,746
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,796
−HK$1,067/mo
Today · 4.125%
HK$35,863
baseline
▲ 0.50% · 4.625%
HK$38,045
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,726/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,542
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,549
−HK$1,022/mo
Today · 4.125%
HK$39,571
baseline
▲ 0.50% · 4.625%
HK$41,657
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,142/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,388
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,738
−HK$1,371/mo
Today · 4.125%
HK$46,109
baseline
▲ 0.50% · 4.625%
HK$48,915
+HK$2,806/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,218/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,269
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,563
−HK$1,314/mo
Today · 4.125%
HK$50,877
baseline
▲ 0.50% · 4.625%
HK$53,558
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,754/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,412 · Scale 2, in force from 26 Feb 2026)