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$24,129
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,879
−HK$763/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,843
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,563
−HK$730/mo
Today · 4.125%
HK$28,293
baseline
▲ 0.50% · 4.625%
HK$29,785
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,586/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,955
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,855
−HK$915/mo
Today · 4.125%
HK$30,770
baseline
▲ 0.50% · 4.625%
HK$32,643
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,540/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,212
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,076
−HK$876/mo
Today · 4.125%
HK$33,952
baseline
▲ 0.50% · 4.625%
HK$35,742
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,904/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,780
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,831
−HK$1,068/mo
Today · 4.125%
HK$35,899
baseline
▲ 0.50% · 4.625%
HK$38,083
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,798/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,580
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,588
−HK$1,023/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$41,699
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,432
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,783
−HK$1,373/mo
Today · 4.125%
HK$46,156
baseline
▲ 0.50% · 4.625%
HK$48,964
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,312/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,318
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,613
−HK$1,315/mo
Today · 4.125%
HK$50,928
baseline
▲ 0.50% · 4.625%
HK$53,613
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,856/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,812 · Scale 2, in force from 26 Feb 2026)