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$24,061
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,809
−HK$761/mo
Today · 4.125%
HK$25,570
baseline
▲ 0.50% · 4.625%
HK$27,126
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,140/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,767
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,485
−HK$729/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,701
+HK$1,487/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,873
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,771
−HK$913/mo
Today · 4.125%
HK$30,684
baseline
▲ 0.50% · 4.625%
HK$32,551
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,368/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,121
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,982
−HK$874/mo
Today · 4.125%
HK$33,856
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,712/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,685
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,733
−HK$1,065/mo
Today · 4.125%
HK$35,798
baseline
▲ 0.50% · 4.625%
HK$37,976
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,596/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,474
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,479
−HK$1,020/mo
Today · 4.125%
HK$39,499
baseline
▲ 0.50% · 4.625%
HK$41,581
+HK$2,082/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$78,998/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,310
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,657
−HK$1,368/mo
Today · 4.125%
HK$46,025
baseline
▲ 0.50% · 4.625%
HK$48,826
+HK$2,801/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,050/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,181
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,474
−HK$1,310/mo
Today · 4.125%
HK$50,784
baseline
▲ 0.50% · 4.625%
HK$53,461
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,568/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,694 · Scale 2, in force from 26 Feb 2026)