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$24,098
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$762/mo
Today · 4.125%
HK$25,610
baseline
▲ 0.50% · 4.625%
HK$27,168
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,220/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,809
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,528
−HK$730/mo
Today · 4.125%
HK$28,258
baseline
▲ 0.50% · 4.625%
HK$29,747
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,516/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,918
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,818
−HK$913/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,171
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,034
−HK$875/mo
Today · 4.125%
HK$33,909
baseline
▲ 0.50% · 4.625%
HK$35,697
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,818/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,738
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,787
−HK$1,066/mo
Today · 4.125%
HK$35,853
baseline
▲ 0.50% · 4.625%
HK$38,035
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,706/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,533
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,539
−HK$1,022/mo
Today · 4.125%
HK$39,561
baseline
▲ 0.50% · 4.625%
HK$41,646
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,122/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,377
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,726
−HK$1,371/mo
Today · 4.125%
HK$46,097
baseline
▲ 0.50% · 4.625%
HK$48,902
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,194/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,257
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,551
−HK$1,313/mo
Today · 4.125%
HK$50,864
baseline
▲ 0.50% · 4.625%
HK$53,545
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,728/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,311 · Scale 2, in force from 26 Feb 2026)