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$24,064
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,812
−HK$761/mo
Today · 4.125%
HK$25,573
baseline
▲ 0.50% · 4.625%
HK$27,129
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,146/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,770
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,488
−HK$729/mo
Today · 4.125%
HK$28,217
baseline
▲ 0.50% · 4.625%
HK$29,704
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,434/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,876
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,774
−HK$913/mo
Today · 4.125%
HK$30,687
baseline
▲ 0.50% · 4.625%
HK$32,554
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,374/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,125
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,986
−HK$874/mo
Today · 4.125%
HK$33,860
baseline
▲ 0.50% · 4.625%
HK$35,645
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,720/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,689
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,737
−HK$1,065/mo
Today · 4.125%
HK$35,802
baseline
▲ 0.50% · 4.625%
HK$37,980
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,604/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,479
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,484
−HK$1,019/mo
Today · 4.125%
HK$39,503
baseline
▲ 0.50% · 4.625%
HK$41,586
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,006/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,314
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,662
−HK$1,369/mo
Today · 4.125%
HK$46,031
baseline
▲ 0.50% · 4.625%
HK$48,831
+HK$2,800/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,062/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,187
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,479
−HK$1,311/mo
Today · 4.125%
HK$50,790
baseline
▲ 0.50% · 4.625%
HK$53,467
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,580/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,738 · Scale 2, in force from 26 Feb 2026)