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$24,088
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,837
−HK$761/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$27,156
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,798
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$729/mo
Today · 4.125%
HK$28,245
baseline
▲ 0.50% · 4.625%
HK$29,734
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,490/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,905
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,805
−HK$913/mo
Today · 4.125%
HK$30,718
baseline
▲ 0.50% · 4.625%
HK$32,587
+HK$1,869/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,436/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,157
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,019
−HK$875/mo
Today · 4.125%
HK$33,894
baseline
▲ 0.50% · 4.625%
HK$35,681
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,788/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,723
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,772
−HK$1,066/mo
Today · 4.125%
HK$35,838
baseline
▲ 0.50% · 4.625%
HK$38,018
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,676/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,517
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,523
−HK$1,020/mo
Today · 4.125%
HK$39,543
baseline
▲ 0.50% · 4.625%
HK$41,628
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,086/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,358
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,707
−HK$1,370/mo
Today · 4.125%
HK$46,077
baseline
▲ 0.50% · 4.625%
HK$48,881
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,154/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,236
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,529
−HK$1,313/mo
Today · 4.125%
HK$50,842
baseline
▲ 0.50% · 4.625%
HK$53,522
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,684/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,138 · Scale 2, in force from 26 Feb 2026)