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$24,136
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,887
−HK$763/mo
Today · 4.125%
HK$25,650
baseline
▲ 0.50% · 4.625%
HK$27,210
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,300/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,851
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,571
−HK$731/mo
Today · 4.125%
HK$28,302
baseline
▲ 0.50% · 4.625%
HK$29,794
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,604/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,963
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,864
−HK$916/mo
Today · 4.125%
HK$30,780
baseline
▲ 0.50% · 4.625%
HK$32,653
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,560/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,222
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,086
−HK$876/mo
Today · 4.125%
HK$33,962
baseline
▲ 0.50% · 4.625%
HK$35,753
+HK$1,791/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,924/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,791
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,842
−HK$1,068/mo
Today · 4.125%
HK$35,910
baseline
▲ 0.50% · 4.625%
HK$38,095
+HK$2,185/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,820/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,592
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,600
−HK$1,023/mo
Today · 4.125%
HK$39,623
baseline
▲ 0.50% · 4.625%
HK$41,711
+HK$2,088/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,246/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,445
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,797
−HK$1,373/mo
Today · 4.125%
HK$46,170
baseline
▲ 0.50% · 4.625%
HK$48,979
+HK$2,809/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,340/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,332
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,629
−HK$1,315/mo
Today · 4.125%
HK$50,944
baseline
▲ 0.50% · 4.625%
HK$53,629
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,888/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,933 · Scale 2, in force from 26 Feb 2026)