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$24,060
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,808
−HK$761/mo
Today · 4.125%
HK$25,569
baseline
▲ 0.50% · 4.625%
HK$27,124
+HK$1,555/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,138/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,766
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,484
−HK$728/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,700
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,872
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,770
−HK$912/mo
Today · 4.125%
HK$30,682
baseline
▲ 0.50% · 4.625%
HK$32,549
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,364/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,120
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,981
−HK$874/mo
Today · 4.125%
HK$33,855
baseline
▲ 0.50% · 4.625%
HK$35,639
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,710/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,684
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,731
−HK$1,065/mo
Today · 4.125%
HK$35,796
baseline
▲ 0.50% · 4.625%
HK$37,974
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,592/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,473
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,478
−HK$1,019/mo
Today · 4.125%
HK$39,497
baseline
▲ 0.50% · 4.625%
HK$41,579
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$78,994/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,308
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,655
−HK$1,368/mo
Today · 4.125%
HK$46,023
baseline
▲ 0.50% · 4.625%
HK$48,824
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,046/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,179
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,471
−HK$1,311/mo
Today · 4.125%
HK$50,782
baseline
▲ 0.50% · 4.625%
HK$53,459
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,564/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,677 · Scale 2, in force from 26 Feb 2026)