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$24,081
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,830
−HK$761/mo
Today · 4.125%
HK$25,591
baseline
▲ 0.50% · 4.625%
HK$27,148
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,182/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,790
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,508
−HK$729/mo
Today · 4.125%
HK$28,237
baseline
▲ 0.50% · 4.625%
HK$29,726
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,474/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,897
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,796
−HK$913/mo
Today · 4.125%
HK$30,709
baseline
▲ 0.50% · 4.625%
HK$32,578
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,418/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,148
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,010
−HK$875/mo
Today · 4.125%
HK$33,885
baseline
▲ 0.50% · 4.625%
HK$35,671
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,770/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,713
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,762
−HK$1,065/mo
Today · 4.125%
HK$35,827
baseline
▲ 0.50% · 4.625%
HK$38,007
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,654/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,506
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,512
−HK$1,020/mo
Today · 4.125%
HK$39,532
baseline
▲ 0.50% · 4.625%
HK$41,616
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,064/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,346
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,694
−HK$1,370/mo
Today · 4.125%
HK$46,064
baseline
▲ 0.50% · 4.625%
HK$48,867
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,128/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,222
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,515
−HK$1,312/mo
Today · 4.125%
HK$50,827
baseline
▲ 0.50% · 4.625%
HK$53,506
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,654/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,023 · Scale 2, in force from 26 Feb 2026)