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$24,130
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$763/mo
Today · 4.125%
HK$25,643
baseline
▲ 0.50% · 4.625%
HK$27,203
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,286/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,844
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,564
−HK$730/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$29,786
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,955
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$915/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,644
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,213
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,077
−HK$876/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$35,743
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,781
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,832
−HK$1,068/mo
Today · 4.125%
HK$35,900
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,800/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,581
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,589
−HK$1,023/mo
Today · 4.125%
HK$39,612
baseline
▲ 0.50% · 4.625%
HK$41,700
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,224/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,433
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,784
−HK$1,373/mo
Today · 4.125%
HK$46,157
baseline
▲ 0.50% · 4.625%
HK$48,965
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,314/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,319
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,615
−HK$1,314/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$53,614
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,823 · Scale 2, in force from 26 Feb 2026)