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$24,087
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,836
−HK$761/mo
Today · 4.125%
HK$25,597
baseline
▲ 0.50% · 4.625%
HK$27,154
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,194/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,796
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,515
−HK$729/mo
Today · 4.125%
HK$28,244
baseline
▲ 0.50% · 4.625%
HK$29,732
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,488/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,904
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,803
−HK$913/mo
Today · 4.125%
HK$30,716
baseline
▲ 0.50% · 4.625%
HK$32,585
+HK$1,869/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,432/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,155
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,018
−HK$874/mo
Today · 4.125%
HK$33,892
baseline
▲ 0.50% · 4.625%
HK$35,679
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,784/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,721
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,770
−HK$1,066/mo
Today · 4.125%
HK$35,836
baseline
▲ 0.50% · 4.625%
HK$38,016
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,672/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,514
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,521
−HK$1,020/mo
Today · 4.125%
HK$39,541
baseline
▲ 0.50% · 4.625%
HK$41,625
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,082/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,356
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,704
−HK$1,371/mo
Today · 4.125%
HK$46,075
baseline
▲ 0.50% · 4.625%
HK$48,878
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,150/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,233
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,526
−HK$1,313/mo
Today · 4.125%
HK$50,839
baseline
▲ 0.50% · 4.625%
HK$53,518
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,678/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,116 · Scale 2, in force from 26 Feb 2026)