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$24,122
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,873
−HK$762/mo
Today · 4.125%
HK$25,635
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,270/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,556
−HK$730/mo
Today · 4.125%
HK$28,286
baseline
▲ 0.50% · 4.625%
HK$29,777
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,572/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,947
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$915/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,634
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,524/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,203
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,067
−HK$876/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$35,732
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,771
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$1,067/mo
Today · 4.125%
HK$35,889
baseline
▲ 0.50% · 4.625%
HK$38,073
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,778/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,570
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,578
−HK$1,022/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$41,688
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,200/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,420
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,771
−HK$1,372/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,951
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,286/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,305
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,600
−HK$1,315/mo
Today · 4.125%
HK$50,915
baseline
▲ 0.50% · 4.625%
HK$53,598
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,830/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,707 · Scale 2, in force from 26 Feb 2026)