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$24,139
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,890
−HK$763/mo
Today · 4.125%
HK$25,653
baseline
▲ 0.50% · 4.625%
HK$27,214
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,306/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,855
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,575
−HK$730/mo
Today · 4.125%
HK$28,305
baseline
▲ 0.50% · 4.625%
HK$29,797
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,610/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,967
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,868
−HK$915/mo
Today · 4.125%
HK$30,783
baseline
▲ 0.50% · 4.625%
HK$32,657
+HK$1,874/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,566/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,225
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,090
−HK$876/mo
Today · 4.125%
HK$33,966
baseline
▲ 0.50% · 4.625%
HK$35,757
+HK$1,791/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,932/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,795
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,846
−HK$1,068/mo
Today · 4.125%
HK$35,914
baseline
▲ 0.50% · 4.625%
HK$38,099
+HK$2,185/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,828/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,596
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,605
−HK$1,023/mo
Today · 4.125%
HK$39,628
baseline
▲ 0.50% · 4.625%
HK$41,716
+HK$2,088/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,256/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,450
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,802
−HK$1,373/mo
Today · 4.125%
HK$46,175
baseline
▲ 0.50% · 4.625%
HK$48,985
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,350/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,338
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,635
−HK$1,315/mo
Today · 4.125%
HK$50,950
baseline
▲ 0.50% · 4.625%
HK$53,635
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,900/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,981 · Scale 2, in force from 26 Feb 2026)