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$24,082
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,831
−HK$761/mo
Today · 4.125%
HK$25,592
baseline
▲ 0.50% · 4.625%
HK$27,150
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,184/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,791
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,510
−HK$729/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,727
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,478/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,899
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,798
−HK$913/mo
Today · 4.125%
HK$30,711
baseline
▲ 0.50% · 4.625%
HK$32,579
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,422/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,149
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,012
−HK$874/mo
Today · 4.125%
HK$33,886
baseline
▲ 0.50% · 4.625%
HK$35,673
+HK$1,787/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,772/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,715
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,764
−HK$1,065/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$38,009
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,508
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,514
−HK$1,020/mo
Today · 4.125%
HK$39,534
baseline
▲ 0.50% · 4.625%
HK$41,618
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,068/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,348
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,696
−HK$1,370/mo
Today · 4.125%
HK$46,066
baseline
▲ 0.50% · 4.625%
HK$48,869
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,132/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,517
−HK$1,313/mo
Today · 4.125%
HK$50,830
baseline
▲ 0.50% · 4.625%
HK$53,509
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,660/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,044 · Scale 2, in force from 26 Feb 2026)