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$24,817
−HK$761/mo
Today · 4.125%
HK$25,578
baseline
▲ 0.50% · 4.625%
HK$27,134
+HK$1,556/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$395,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,776
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$729/mo
Today · 4.125%
HK$28,223
baseline
▲ 0.50% · 4.625%
HK$29,710
+HK$1,487/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$395,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,882
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,781
−HK$913/mo
Today · 4.125%
HK$30,694
baseline
▲ 0.50% · 4.625%
HK$32,561
+HK$1,867/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$395,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,131
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,993
−HK$874/mo
Today · 4.125%
HK$33,867
baseline
▲ 0.50% · 4.625%
HK$35,652
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,734/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,696
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,744
−HK$1,065/mo
Today · 4.125%
HK$35,809
baseline
▲ 0.50% · 4.625%
HK$37,988
+HK$2,179/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,618/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,487
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,492
−HK$1,020/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$395,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,324
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,671
−HK$1,369/mo
Today · 4.125%
HK$46,040
baseline
▲ 0.50% · 4.625%
HK$48,842
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,080/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,197
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,490
−HK$1,311/mo
Today · 4.125%
HK$50,801
baseline
▲ 0.50% · 4.625%
HK$53,479
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,602/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,822 · Scale 2, in force from 26 Feb 2026)