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$24,069
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,818
−HK$760/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$27,135
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,156/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,777
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,495
−HK$728/mo
Today · 4.125%
HK$28,223
baseline
▲ 0.50% · 4.625%
HK$29,711
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,446/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,883
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,781
−HK$913/mo
Today · 4.125%
HK$30,694
baseline
▲ 0.50% · 4.625%
HK$32,562
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,388/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,132
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,994
−HK$874/mo
Today · 4.125%
HK$33,868
baseline
▲ 0.50% · 4.625%
HK$35,653
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,736/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,697
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,745
−HK$1,065/mo
Today · 4.125%
HK$35,810
baseline
▲ 0.50% · 4.625%
HK$37,989
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,620/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,487
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,493
−HK$1,019/mo
Today · 4.125%
HK$39,512
baseline
▲ 0.50% · 4.625%
HK$41,595
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,024/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,324
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,672
−HK$1,369/mo
Today · 4.125%
HK$46,041
baseline
▲ 0.50% · 4.625%
HK$48,843
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,082/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,198
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,490
−HK$1,312/mo
Today · 4.125%
HK$50,802
baseline
▲ 0.50% · 4.625%
HK$53,480
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,604/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,828 · Scale 2, in force from 26 Feb 2026)