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$24,096
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,846
−HK$761/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$27,166
+HK$1,559/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,807
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,526
−HK$729/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,745
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,916
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,815
−HK$914/mo
Today · 4.125%
HK$30,729
baseline
▲ 0.50% · 4.625%
HK$32,599
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,458/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,168
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,031
−HK$875/mo
Today · 4.125%
HK$33,906
baseline
▲ 0.50% · 4.625%
HK$35,694
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,812/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,735
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,784
−HK$1,066/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$38,032
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,700/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,530
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,536
−HK$1,021/mo
Today · 4.125%
HK$39,557
baseline
▲ 0.50% · 4.625%
HK$41,643
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,114/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,374
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,723
−HK$1,370/mo
Today · 4.125%
HK$46,093
baseline
▲ 0.50% · 4.625%
HK$48,898
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,186/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,253
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,547
−HK$1,313/mo
Today · 4.125%
HK$50,860
baseline
▲ 0.50% · 4.625%
HK$53,540
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,720/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,279 · Scale 2, in force from 26 Feb 2026)