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$24,108
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,857
−HK$762/mo
Today · 4.125%
HK$25,619
baseline
▲ 0.50% · 4.625%
HK$27,178
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,238/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,819
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,539
−HK$729/mo
Today · 4.125%
HK$28,268
baseline
▲ 0.50% · 4.625%
HK$29,758
+HK$1,490/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,536/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,929
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,829
−HK$914/mo
Today · 4.125%
HK$30,743
baseline
▲ 0.50% · 4.625%
HK$32,614
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,486/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,183
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,046
−HK$876/mo
Today · 4.125%
HK$33,922
baseline
▲ 0.50% · 4.625%
HK$35,710
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,844/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,751
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,800
−HK$1,067/mo
Today · 4.125%
HK$35,867
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,734/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,547
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,554
−HK$1,022/mo
Today · 4.125%
HK$39,576
baseline
▲ 0.50% · 4.625%
HK$41,662
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,152/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,394
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,743
−HK$1,372/mo
Today · 4.125%
HK$46,115
baseline
▲ 0.50% · 4.625%
HK$48,921
+HK$2,806/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,230/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,275
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,570
−HK$1,313/mo
Today · 4.125%
HK$50,883
baseline
▲ 0.50% · 4.625%
HK$53,565
+HK$2,682/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,766/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,461 · Scale 2, in force from 26 Feb 2026)