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$24,101
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$762/mo
Today · 4.125%
HK$25,613
baseline
▲ 0.50% · 4.625%
HK$27,171
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,226/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,813
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,532
−HK$729/mo
Today · 4.125%
HK$28,261
baseline
▲ 0.50% · 4.625%
HK$29,751
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,522/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,922
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,821
−HK$914/mo
Today · 4.125%
HK$30,735
baseline
▲ 0.50% · 4.625%
HK$32,606
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,470/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,175
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,038
−HK$876/mo
Today · 4.125%
HK$33,914
baseline
▲ 0.50% · 4.625%
HK$35,701
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,828/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,742
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,792
−HK$1,066/mo
Today · 4.125%
HK$35,858
baseline
▲ 0.50% · 4.625%
HK$38,040
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,716/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,538
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,544
−HK$1,022/mo
Today · 4.125%
HK$39,566
baseline
▲ 0.50% · 4.625%
HK$41,651
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,132/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,383
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,732
−HK$1,371/mo
Today · 4.125%
HK$46,103
baseline
▲ 0.50% · 4.625%
HK$48,908
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,206/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,263
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,557
−HK$1,313/mo
Today · 4.125%
HK$50,870
baseline
▲ 0.50% · 4.625%
HK$53,552
+HK$2,682/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,740/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,362 · Scale 2, in force from 26 Feb 2026)