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$24,085
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,834
−HK$761/mo
Today · 4.125%
HK$25,595
baseline
▲ 0.50% · 4.625%
HK$27,153
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,190/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,794
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,513
−HK$729/mo
Today · 4.125%
HK$28,242
baseline
▲ 0.50% · 4.625%
HK$29,731
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,484/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,902
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,801
−HK$913/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,583
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,428/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,153
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,015
−HK$875/mo
Today · 4.125%
HK$33,890
baseline
▲ 0.50% · 4.625%
HK$35,677
+HK$1,787/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,780/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,719
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,768
−HK$1,065/mo
Today · 4.125%
HK$35,833
baseline
▲ 0.50% · 4.625%
HK$38,014
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,666/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,512
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,518
−HK$1,021/mo
Today · 4.125%
HK$39,539
baseline
▲ 0.50% · 4.625%
HK$41,623
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,078/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,353
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,701
−HK$1,371/mo
Today · 4.125%
HK$46,072
baseline
▲ 0.50% · 4.625%
HK$48,875
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,144/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,230
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,523
−HK$1,312/mo
Today · 4.125%
HK$50,835
baseline
▲ 0.50% · 4.625%
HK$53,515
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,670/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,091 · Scale 2, in force from 26 Feb 2026)