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$24,064
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$761/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$27,129
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,771
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$728/mo
Today · 4.125%
HK$28,217
baseline
▲ 0.50% · 4.625%
HK$29,705
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,434/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,877
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,775
−HK$912/mo
Today · 4.125%
HK$30,687
baseline
▲ 0.50% · 4.625%
HK$32,555
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,374/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,125
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,987
−HK$874/mo
Today · 4.125%
HK$33,861
baseline
▲ 0.50% · 4.625%
HK$35,645
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,722/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,737
−HK$1,065/mo
Today · 4.125%
HK$35,802
baseline
▲ 0.50% · 4.625%
HK$37,981
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,604/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,479
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,484
−HK$1,020/mo
Today · 4.125%
HK$39,504
baseline
▲ 0.50% · 4.625%
HK$41,586
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,008/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,315
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,662
−HK$1,369/mo
Today · 4.125%
HK$46,031
baseline
▲ 0.50% · 4.625%
HK$48,832
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,062/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,187
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,480
−HK$1,311/mo
Today · 4.125%
HK$50,791
baseline
▲ 0.50% · 4.625%
HK$53,468
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,582/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,743 · Scale 2, in force from 26 Feb 2026)