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$24,062
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,811
−HK$760/mo
Today · 4.125%
HK$25,571
baseline
▲ 0.50% · 4.625%
HK$27,127
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,142/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,769
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$728/mo
Today · 4.125%
HK$28,215
baseline
▲ 0.50% · 4.625%
HK$29,702
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,430/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,875
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,773
−HK$912/mo
Today · 4.125%
HK$30,685
baseline
▲ 0.50% · 4.625%
HK$32,552
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,370/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,123
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,984
−HK$874/mo
Today · 4.125%
HK$33,858
baseline
▲ 0.50% · 4.625%
HK$35,643
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,716/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,687
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,735
−HK$1,065/mo
Today · 4.125%
HK$35,800
baseline
▲ 0.50% · 4.625%
HK$37,978
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,600/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,477
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,482
−HK$1,019/mo
Today · 4.125%
HK$39,501
baseline
▲ 0.50% · 4.625%
HK$41,583
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,002/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,312
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,659
−HK$1,369/mo
Today · 4.125%
HK$46,028
baseline
▲ 0.50% · 4.625%
HK$48,829
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,056/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,184
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,476
−HK$1,311/mo
Today · 4.125%
HK$50,787
baseline
▲ 0.50% · 4.625%
HK$53,464
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,574/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,716 · Scale 2, in force from 26 Feb 2026)