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$24,076
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$761/mo
Today · 4.125%
HK$25,585
baseline
▲ 0.50% · 4.625%
HK$27,142
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,170/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,784
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$729/mo
Today · 4.125%
HK$28,231
baseline
▲ 0.50% · 4.625%
HK$29,719
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,462/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,891
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,789
−HK$913/mo
Today · 4.125%
HK$30,702
baseline
▲ 0.50% · 4.625%
HK$32,570
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,404/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,141
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,003
−HK$874/mo
Today · 4.125%
HK$33,877
baseline
▲ 0.50% · 4.625%
HK$35,663
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,754/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,706
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,754
−HK$1,065/mo
Today · 4.125%
HK$35,819
baseline
▲ 0.50% · 4.625%
HK$37,999
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,638/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,497
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,503
−HK$1,020/mo
Today · 4.125%
HK$39,523
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,046/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,336
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,684
−HK$1,369/mo
Today · 4.125%
HK$46,053
baseline
▲ 0.50% · 4.625%
HK$48,856
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,106/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,211
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,504
−HK$1,311/mo
Today · 4.125%
HK$50,815
baseline
▲ 0.50% · 4.625%
HK$53,494
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,630/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,935 · Scale 2, in force from 26 Feb 2026)