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$24,077
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,826
−HK$761/mo
Today · 4.125%
HK$25,587
baseline
▲ 0.50% · 4.625%
HK$27,144
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,174/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,786
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$729/mo
Today · 4.125%
HK$28,233
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,466/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,893
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,791
−HK$913/mo
Today · 4.125%
HK$30,704
baseline
▲ 0.50% · 4.625%
HK$32,573
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,408/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,143
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,005
−HK$874/mo
Today · 4.125%
HK$33,879
baseline
▲ 0.50% · 4.625%
HK$35,665
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,758/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,708
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,757
−HK$1,065/mo
Today · 4.125%
HK$35,822
baseline
▲ 0.50% · 4.625%
HK$38,002
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,644/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,500
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,506
−HK$1,020/mo
Today · 4.125%
HK$39,526
baseline
▲ 0.50% · 4.625%
HK$41,609
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,052/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,339
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,687
−HK$1,370/mo
Today · 4.125%
HK$46,057
baseline
▲ 0.50% · 4.625%
HK$48,859
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,114/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,214
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,507
−HK$1,312/mo
Today · 4.125%
HK$50,819
baseline
▲ 0.50% · 4.625%
HK$53,498
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,638/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,962 · Scale 2, in force from 26 Feb 2026)