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$24,135
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,886
−HK$762/mo
Today · 4.125%
HK$25,648
baseline
▲ 0.50% · 4.625%
HK$27,209
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,296/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,850
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,570
−HK$731/mo
Today · 4.125%
HK$28,301
baseline
▲ 0.50% · 4.625%
HK$29,792
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,602/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,962
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,863
−HK$915/mo
Today · 4.125%
HK$30,778
baseline
▲ 0.50% · 4.625%
HK$32,651
+HK$1,873/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,556/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,220
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,084
−HK$877/mo
Today · 4.125%
HK$33,961
baseline
▲ 0.50% · 4.625%
HK$35,751
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,922/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,789
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,840
−HK$1,068/mo
Today · 4.125%
HK$35,908
baseline
▲ 0.50% · 4.625%
HK$38,093
+HK$2,185/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,816/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,590
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,598
−HK$1,023/mo
Today · 4.125%
HK$39,621
baseline
▲ 0.50% · 4.625%
HK$41,709
+HK$2,088/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,242/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,443
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,794
−HK$1,373/mo
Today · 4.125%
HK$46,167
baseline
▲ 0.50% · 4.625%
HK$48,976
+HK$2,809/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,334/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,330
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,626
−HK$1,315/mo
Today · 4.125%
HK$50,941
baseline
▲ 0.50% · 4.625%
HK$53,626
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,882/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,913 · Scale 2, in force from 26 Feb 2026)