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$24,117
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,867
−HK$762/mo
Today · 4.125%
HK$25,629
baseline
▲ 0.50% · 4.625%
HK$27,188
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,258/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,829
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$730/mo
Today · 4.125%
HK$28,279
baseline
▲ 0.50% · 4.625%
HK$29,770
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,558/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,940
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,840
−HK$915/mo
Today · 4.125%
HK$30,755
baseline
▲ 0.50% · 4.625%
HK$32,626
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,510/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,195
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,059
−HK$876/mo
Today · 4.125%
HK$33,935
baseline
▲ 0.50% · 4.625%
HK$35,724
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,870/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,763
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,813
−HK$1,067/mo
Today · 4.125%
HK$35,880
baseline
▲ 0.50% · 4.625%
HK$38,064
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,760/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,561
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,569
−HK$1,022/mo
Today · 4.125%
HK$39,591
baseline
▲ 0.50% · 4.625%
HK$41,677
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,182/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,410
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,760
−HK$1,372/mo
Today · 4.125%
HK$46,132
baseline
▲ 0.50% · 4.625%
HK$48,939
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,264/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,293
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,588
−HK$1,314/mo
Today · 4.125%
HK$50,902
baseline
▲ 0.50% · 4.625%
HK$53,585
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,804/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,610 · Scale 2, in force from 26 Feb 2026)