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$24,083
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$761/mo
Today · 4.125%
HK$25,593
baseline
▲ 0.50% · 4.625%
HK$27,150
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,186/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,792
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,510
−HK$729/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,728
+HK$1,489/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$396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,899
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,798
−HK$914/mo
Today · 4.125%
HK$30,712
baseline
▲ 0.50% · 4.625%
HK$32,580
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,424/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,150
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,013
−HK$874/mo
Today · 4.125%
HK$33,887
baseline
▲ 0.50% · 4.625%
HK$35,674
+HK$1,787/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,774/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,716
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,765
−HK$1,065/mo
Today · 4.125%
HK$35,830
baseline
▲ 0.50% · 4.625%
HK$38,011
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,660/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,509
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,515
−HK$1,020/mo
Today · 4.125%
HK$39,535
baseline
▲ 0.50% · 4.625%
HK$41,619
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,070/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,349
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,698
−HK$1,370/mo
Today · 4.125%
HK$46,068
baseline
▲ 0.50% · 4.625%
HK$48,871
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,136/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,226
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,519
−HK$1,312/mo
Today · 4.125%
HK$50,831
baseline
▲ 0.50% · 4.625%
HK$53,510
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,662/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,056 · Scale 2, in force from 26 Feb 2026)