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$24,071
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,820
−HK$760/mo
Today · 4.125%
HK$25,580
baseline
▲ 0.50% · 4.625%
HK$27,137
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,160/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,779
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,497
−HK$728/mo
Today · 4.125%
HK$28,225
baseline
▲ 0.50% · 4.625%
HK$29,713
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,450/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,885
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,784
−HK$913/mo
Today · 4.125%
HK$30,697
baseline
▲ 0.50% · 4.625%
HK$32,564
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,394/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,134
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$32,996
−HK$875/mo
Today · 4.125%
HK$33,871
baseline
▲ 0.50% · 4.625%
HK$35,656
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,742/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,699
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,748
−HK$1,065/mo
Today · 4.125%
HK$35,813
baseline
▲ 0.50% · 4.625%
HK$37,992
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,626/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,490
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,496
−HK$1,020/mo
Today · 4.125%
HK$39,516
baseline
▲ 0.50% · 4.625%
HK$41,599
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,032/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,328
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,676
−HK$1,369/mo
Today · 4.125%
HK$46,045
baseline
▲ 0.50% · 4.625%
HK$48,847
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,090/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,202
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,494
−HK$1,312/mo
Today · 4.125%
HK$50,806
baseline
▲ 0.50% · 4.625%
HK$53,484
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,612/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,860 · Scale 2, in force from 26 Feb 2026)