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$1,511/mo
▼ 0.25% · 3.875%
HK$24,851
−HK$761/mo
Today · 4.125%
HK$25,612
baseline
▲ 0.50% · 4.625%
HK$27,171
+HK$1,559/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,224/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,812
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$730/mo
Today · 4.125%
HK$28,261
baseline
▲ 0.50% · 4.625%
HK$29,750
+HK$1,489/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$396,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,921
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,821
−HK$914/mo
Today · 4.125%
HK$30,735
baseline
▲ 0.50% · 4.625%
HK$32,605
+HK$1,870/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$396,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,175
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,038
−HK$875/mo
Today · 4.125%
HK$33,913
baseline
▲ 0.50% · 4.625%
HK$35,701
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,826/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,742
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,791
−HK$1,066/mo
Today · 4.125%
HK$35,857
baseline
▲ 0.50% · 4.625%
HK$38,039
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,714/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,537
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,544
−HK$1,021/mo
Today · 4.125%
HK$39,565
baseline
▲ 0.50% · 4.625%
HK$41,651
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,130/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,382
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,731
−HK$1,371/mo
Today · 4.125%
HK$46,102
baseline
▲ 0.50% · 4.625%
HK$48,908
+HK$2,806/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,204/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,262
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,556
−HK$1,313/mo
Today · 4.125%
HK$50,869
baseline
▲ 0.50% · 4.625%
HK$53,551
+HK$2,682/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,738/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,355 · Scale 2, in force from 26 Feb 2026)