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$24,093
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$762/mo
Today · 4.125%
HK$25,604
baseline
▲ 0.50% · 4.625%
HK$27,162
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,208/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$729/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,741
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,912
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$914/mo
Today · 4.125%
HK$30,725
baseline
▲ 0.50% · 4.625%
HK$32,594
+HK$1,869/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,450/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,164
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,027
−HK$875/mo
Today · 4.125%
HK$33,902
baseline
▲ 0.50% · 4.625%
HK$35,689
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,804/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,730
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,779
−HK$1,066/mo
Today · 4.125%
HK$35,845
baseline
▲ 0.50% · 4.625%
HK$38,027
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,690/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,525
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,531
−HK$1,021/mo
Today · 4.125%
HK$39,552
baseline
▲ 0.50% · 4.625%
HK$41,637
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,104/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,368
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,371/mo
Today · 4.125%
HK$46,087
baseline
▲ 0.50% · 4.625%
HK$48,891
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,174/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,246
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,540
−HK$1,312/mo
Today · 4.125%
HK$50,852
baseline
▲ 0.50% · 4.625%
HK$53,533
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,704/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,223 · Scale 2, in force from 26 Feb 2026)