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$24,127
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,878
−HK$762/mo
Today · 4.125%
HK$25,640
baseline
▲ 0.50% · 4.625%
HK$27,200
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,280/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,841
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,561
−HK$731/mo
Today · 4.125%
HK$28,292
baseline
▲ 0.50% · 4.625%
HK$29,783
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,584/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,953
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,853
−HK$915/mo
Today · 4.125%
HK$30,768
baseline
▲ 0.50% · 4.625%
HK$32,641
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,536/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,210
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,074
−HK$876/mo
Today · 4.125%
HK$33,950
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,900/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,778
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,829
−HK$1,067/mo
Today · 4.125%
HK$35,896
baseline
▲ 0.50% · 4.625%
HK$38,081
+HK$2,185/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,792/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,578
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,586
−HK$1,022/mo
Today · 4.125%
HK$39,608
baseline
▲ 0.50% · 4.625%
HK$41,696
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,216/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,429
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,780
−HK$1,373/mo
Today · 4.125%
HK$46,153
baseline
▲ 0.50% · 4.625%
HK$48,961
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,306/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,314
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,610
−HK$1,315/mo
Today · 4.125%
HK$50,925
baseline
▲ 0.50% · 4.625%
HK$53,609
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,850/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,786 · Scale 2, in force from 26 Feb 2026)