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$24,066
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$761/mo
Today · 4.125%
HK$25,575
baseline
▲ 0.50% · 4.625%
HK$27,131
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,150/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,773
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,491
−HK$728/mo
Today · 4.125%
HK$28,219
baseline
▲ 0.50% · 4.625%
HK$29,707
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,438/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,879
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,777
−HK$913/mo
Today · 4.125%
HK$30,690
baseline
▲ 0.50% · 4.625%
HK$32,557
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,380/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,128
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,989
−HK$874/mo
Today · 4.125%
HK$33,863
baseline
▲ 0.50% · 4.625%
HK$35,648
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,726/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,692
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,740
−HK$1,065/mo
Today · 4.125%
HK$35,805
baseline
▲ 0.50% · 4.625%
HK$37,983
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,610/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,482
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,487
−HK$1,020/mo
Today · 4.125%
HK$39,507
baseline
▲ 0.50% · 4.625%
HK$41,590
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,014/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,318
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,666
−HK$1,369/mo
Today · 4.125%
HK$46,035
baseline
▲ 0.50% · 4.625%
HK$48,836
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,070/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,191
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,484
−HK$1,311/mo
Today · 4.125%
HK$50,795
baseline
▲ 0.50% · 4.625%
HK$53,472
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,590/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,774 · Scale 2, in force from 26 Feb 2026)