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$24,059
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,807
−HK$760/mo
Today · 4.125%
HK$25,567
baseline
▲ 0.50% · 4.625%
HK$27,123
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,134/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,765
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,483
−HK$728/mo
Today · 4.125%
HK$28,211
baseline
▲ 0.50% · 4.625%
HK$29,698
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,422/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,870
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,768
−HK$913/mo
Today · 4.125%
HK$30,681
baseline
▲ 0.50% · 4.625%
HK$32,548
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,362/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,118
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,979
−HK$874/mo
Today · 4.125%
HK$33,853
baseline
▲ 0.50% · 4.625%
HK$35,638
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,706/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,682
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,730
−HK$1,064/mo
Today · 4.125%
HK$35,794
baseline
▲ 0.50% · 4.625%
HK$37,972
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,588/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,471
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,476
−HK$1,019/mo
Today · 4.125%
HK$39,495
baseline
▲ 0.50% · 4.625%
HK$41,577
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$78,990/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,306
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,653
−HK$1,368/mo
Today · 4.125%
HK$46,021
baseline
▲ 0.50% · 4.625%
HK$48,821
+HK$2,800/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,042/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,177
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,469
−HK$1,311/mo
Today · 4.125%
HK$50,780
baseline
▲ 0.50% · 4.625%
HK$53,457
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,560/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,657 · Scale 2, in force from 26 Feb 2026)