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$24,147
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,898
−HK$763/mo
Today · 4.125%
HK$25,661
baseline
▲ 0.50% · 4.625%
HK$27,222
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,322/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,863
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,583
−HK$731/mo
Today · 4.125%
HK$28,314
baseline
▲ 0.50% · 4.625%
HK$29,807
+HK$1,493/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,628/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,976
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,877
−HK$916/mo
Today · 4.125%
HK$30,793
baseline
▲ 0.50% · 4.625%
HK$32,667
+HK$1,874/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,586/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,236
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,100
−HK$877/mo
Today · 4.125%
HK$33,977
baseline
▲ 0.50% · 4.625%
HK$35,768
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,954/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,805
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,857
−HK$1,068/mo
Today · 4.125%
HK$35,925
baseline
▲ 0.50% · 4.625%
HK$38,111
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,850/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,608
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,617
−HK$1,023/mo
Today · 4.125%
HK$39,640
baseline
▲ 0.50% · 4.625%
HK$41,730
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,280/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,464
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,816
−HK$1,374/mo
Today · 4.125%
HK$46,190
baseline
▲ 0.50% · 4.625%
HK$49,000
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,380/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,353
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,650
−HK$1,316/mo
Today · 4.125%
HK$50,966
baseline
▲ 0.50% · 4.625%
HK$53,652
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,932/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,106 · Scale 2, in force from 26 Feb 2026)