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$24,128
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,879
−HK$762/mo
Today · 4.125%
HK$25,641
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,282/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,843
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,562
−HK$731/mo
Today · 4.125%
HK$28,293
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,586/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,954
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,855
−HK$915/mo
Today · 4.125%
HK$30,770
baseline
▲ 0.50% · 4.625%
HK$32,642
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,540/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,211
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,075
−HK$876/mo
Today · 4.125%
HK$33,951
baseline
▲ 0.50% · 4.625%
HK$35,741
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,902/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,780
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,830
−HK$1,068/mo
Today · 4.125%
HK$35,898
baseline
▲ 0.50% · 4.625%
HK$38,082
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,796/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,580
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,587
−HK$1,023/mo
Today · 4.125%
HK$39,610
baseline
▲ 0.50% · 4.625%
HK$41,698
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,220/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,431
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,782
−HK$1,373/mo
Today · 4.125%
HK$46,155
baseline
▲ 0.50% · 4.625%
HK$48,963
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,310/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,317
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,612
−HK$1,315/mo
Today · 4.125%
HK$50,927
baseline
▲ 0.50% · 4.625%
HK$53,611
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,854/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,804 · Scale 2, in force from 26 Feb 2026)