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$24,082
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$761/mo
Today · 4.125%
HK$25,592
baseline
▲ 0.50% · 4.625%
HK$27,149
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,184/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$729/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,727
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,898
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,797
−HK$913/mo
Today · 4.125%
HK$30,710
baseline
▲ 0.50% · 4.625%
HK$32,579
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,420/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,149
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,011
−HK$875/mo
Today · 4.125%
HK$33,886
baseline
▲ 0.50% · 4.625%
HK$35,672
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,772/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,763
−HK$1,066/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,507
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,513
−HK$1,021/mo
Today · 4.125%
HK$39,534
baseline
▲ 0.50% · 4.625%
HK$41,617
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,068/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,347
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,696
−HK$1,370/mo
Today · 4.125%
HK$46,066
baseline
▲ 0.50% · 4.625%
HK$48,869
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,132/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,517
−HK$1,312/mo
Today · 4.125%
HK$50,829
baseline
▲ 0.50% · 4.625%
HK$53,508
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,658/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,040 · Scale 2, in force from 26 Feb 2026)