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$24,872
−HK$763/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$396,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,836
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$730/mo
Today · 4.125%
HK$28,285
baseline
▲ 0.50% · 4.625%
HK$29,776
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,570/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,946
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,847
−HK$915/mo
Today · 4.125%
HK$30,762
baseline
▲ 0.50% · 4.625%
HK$32,633
+HK$1,871/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$396,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,203
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,066
−HK$876/mo
Today · 4.125%
HK$33,942
baseline
▲ 0.50% · 4.625%
HK$35,732
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,884/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,771
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,821
−HK$1,068/mo
Today · 4.125%
HK$35,889
baseline
▲ 0.50% · 4.625%
HK$38,072
+HK$2,183/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$396,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,570
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,577
−HK$1,023/mo
Today · 4.125%
HK$39,600
baseline
▲ 0.50% · 4.625%
HK$41,687
+HK$2,087/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$396,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,420
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,770
−HK$1,373/mo
Today · 4.125%
HK$46,143
baseline
▲ 0.50% · 4.625%
HK$48,950
+HK$2,807/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$396,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,304
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,599
−HK$1,315/mo
Today · 4.125%
HK$50,914
baseline
▲ 0.50% · 4.625%
HK$53,597
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,828/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,700 · Scale 2, in force from 26 Feb 2026)