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$24,117
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$762/mo
Today · 4.125%
HK$25,630
baseline
▲ 0.50% · 4.625%
HK$27,189
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,260/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,830
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,550
−HK$730/mo
Today · 4.125%
HK$28,280
baseline
▲ 0.50% · 4.625%
HK$29,771
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,560/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,941
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,841
−HK$915/mo
Today · 4.125%
HK$30,756
baseline
▲ 0.50% · 4.625%
HK$32,627
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,512/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,196
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,060
−HK$876/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$35,725
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,764
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,815
−HK$1,067/mo
Today · 4.125%
HK$35,882
baseline
▲ 0.50% · 4.625%
HK$38,065
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,764/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,563
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,570
−HK$1,022/mo
Today · 4.125%
HK$39,592
baseline
▲ 0.50% · 4.625%
HK$41,679
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,184/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,411
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,762
−HK$1,372/mo
Today · 4.125%
HK$46,134
baseline
▲ 0.50% · 4.625%
HK$48,941
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,268/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,295
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,590
−HK$1,314/mo
Today · 4.125%
HK$50,904
baseline
▲ 0.50% · 4.625%
HK$53,587
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,808/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,624 · Scale 2, in force from 26 Feb 2026)