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$24,142
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,893
−HK$763/mo
Today · 4.125%
HK$25,656
baseline
▲ 0.50% · 4.625%
HK$27,217
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,312/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,858
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$731/mo
Today · 4.125%
HK$28,309
baseline
▲ 0.50% · 4.625%
HK$29,801
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,618/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,970
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,872
−HK$915/mo
Today · 4.125%
HK$30,787
baseline
▲ 0.50% · 4.625%
HK$32,661
+HK$1,874/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,574/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,094
−HK$877/mo
Today · 4.125%
HK$33,971
baseline
▲ 0.50% · 4.625%
HK$35,761
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,942/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,799
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,850
−HK$1,068/mo
Today · 4.125%
HK$35,918
baseline
▲ 0.50% · 4.625%
HK$38,104
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,836/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,601
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,609
−HK$1,023/mo
Today · 4.125%
HK$39,632
baseline
▲ 0.50% · 4.625%
HK$41,721
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,264/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,456
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,807
−HK$1,374/mo
Today · 4.125%
HK$46,181
baseline
▲ 0.50% · 4.625%
HK$48,991
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,362/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,344
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,641
−HK$1,315/mo
Today · 4.125%
HK$50,956
baseline
▲ 0.50% · 4.625%
HK$53,642
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,912/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,029 · Scale 2, in force from 26 Feb 2026)