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$24,098
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$761/mo
Today · 4.125%
HK$25,609
baseline
▲ 0.50% · 4.625%
HK$27,167
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,218/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,809
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,528
−HK$729/mo
Today · 4.125%
HK$28,257
baseline
▲ 0.50% · 4.625%
HK$29,747
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,514/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,918
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,817
−HK$914/mo
Today · 4.125%
HK$30,731
baseline
▲ 0.50% · 4.625%
HK$32,601
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,462/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,171
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,033
−HK$876/mo
Today · 4.125%
HK$33,909
baseline
▲ 0.50% · 4.625%
HK$35,696
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,818/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,737
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,787
−HK$1,066/mo
Today · 4.125%
HK$35,853
baseline
▲ 0.50% · 4.625%
HK$38,034
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,706/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,532
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,539
−HK$1,021/mo
Today · 4.125%
HK$39,560
baseline
▲ 0.50% · 4.625%
HK$41,645
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,120/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,376
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,726
−HK$1,371/mo
Today · 4.125%
HK$46,097
baseline
▲ 0.50% · 4.625%
HK$48,901
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,194/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,256
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,550
−HK$1,313/mo
Today · 4.125%
HK$50,863
baseline
▲ 0.50% · 4.625%
HK$53,544
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,726/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,305 · Scale 2, in force from 26 Feb 2026)