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$24,120
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,871
−HK$762/mo
Today · 4.125%
HK$25,633
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,266/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,834
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,553
−HK$730/mo
Today · 4.125%
HK$28,283
baseline
▲ 0.50% · 4.625%
HK$29,774
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,566/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,944
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,845
−HK$914/mo
Today · 4.125%
HK$30,759
baseline
▲ 0.50% · 4.625%
HK$32,631
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,518/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,200
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,064
−HK$876/mo
Today · 4.125%
HK$33,940
baseline
▲ 0.50% · 4.625%
HK$35,729
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,880/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,768
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,819
−HK$1,067/mo
Today · 4.125%
HK$35,886
baseline
▲ 0.50% · 4.625%
HK$38,070
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,772/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,567
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,575
−HK$1,022/mo
Today · 4.125%
HK$39,597
baseline
▲ 0.50% · 4.625%
HK$41,684
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,194/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,417
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,767
−HK$1,372/mo
Today · 4.125%
HK$46,139
baseline
▲ 0.50% · 4.625%
HK$48,947
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,278/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,300
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,596
−HK$1,314/mo
Today · 4.125%
HK$50,910
baseline
▲ 0.50% · 4.625%
HK$53,594
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,820/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,672 · Scale 2, in force from 26 Feb 2026)