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$24,111
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,861
−HK$762/mo
Today · 4.125%
HK$25,623
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,246/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,823
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,543
−HK$729/mo
Today · 4.125%
HK$28,272
baseline
▲ 0.50% · 4.625%
HK$29,763
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,544/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,933
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,833
−HK$915/mo
Today · 4.125%
HK$30,748
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,496/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,188
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,051
−HK$876/mo
Today · 4.125%
HK$33,927
baseline
▲ 0.50% · 4.625%
HK$35,715
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,854/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,755
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,805
−HK$1,067/mo
Today · 4.125%
HK$35,872
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,744/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,553
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,560
−HK$1,021/mo
Today · 4.125%
HK$39,581
baseline
▲ 0.50% · 4.625%
HK$41,668
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,162/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,400
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,750
−HK$1,371/mo
Today · 4.125%
HK$46,121
baseline
▲ 0.50% · 4.625%
HK$48,928
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,242/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,282
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,577
−HK$1,313/mo
Today · 4.125%
HK$50,890
baseline
▲ 0.50% · 4.625%
HK$53,573
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,780/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,519 · Scale 2, in force from 26 Feb 2026)