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$24,076
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,825
−HK$761/mo
Today · 4.125%
HK$25,586
baseline
▲ 0.50% · 4.625%
HK$27,143
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,172/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,784
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,503
−HK$729/mo
Today · 4.125%
HK$28,232
baseline
▲ 0.50% · 4.625%
HK$29,720
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,464/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,891
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,790
−HK$913/mo
Today · 4.125%
HK$30,703
baseline
▲ 0.50% · 4.625%
HK$32,571
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,406/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$875/mo
Today · 4.125%
HK$33,878
baseline
▲ 0.50% · 4.625%
HK$35,664
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,756/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,707
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,755
−HK$1,065/mo
Today · 4.125%
HK$35,820
baseline
▲ 0.50% · 4.625%
HK$38,000
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,640/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,498
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,504
−HK$1,020/mo
Today · 4.125%
HK$39,524
baseline
▲ 0.50% · 4.625%
HK$41,608
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,048/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,337
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,685
−HK$1,370/mo
Today · 4.125%
HK$46,055
baseline
▲ 0.50% · 4.625%
HK$48,857
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,110/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,212
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,505
−HK$1,312/mo
Today · 4.125%
HK$50,817
baseline
▲ 0.50% · 4.625%
HK$53,495
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,634/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,945 · Scale 2, in force from 26 Feb 2026)