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$24,083
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,832
−HK$762/mo
Today · 4.125%
HK$25,594
baseline
▲ 0.50% · 4.625%
HK$27,151
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,188/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,792
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,511
−HK$729/mo
Today · 4.125%
HK$28,240
baseline
▲ 0.50% · 4.625%
HK$29,729
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,480/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,900
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,799
−HK$913/mo
Today · 4.125%
HK$30,712
baseline
▲ 0.50% · 4.625%
HK$32,581
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,424/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,151
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,013
−HK$875/mo
Today · 4.125%
HK$33,888
baseline
▲ 0.50% · 4.625%
HK$35,674
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,776/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,717
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,765
−HK$1,066/mo
Today · 4.125%
HK$35,831
baseline
▲ 0.50% · 4.625%
HK$38,011
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,662/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,509
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,515
−HK$1,021/mo
Today · 4.125%
HK$39,536
baseline
▲ 0.50% · 4.625%
HK$41,620
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,072/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,350
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,698
−HK$1,370/mo
Today · 4.125%
HK$46,068
baseline
▲ 0.50% · 4.625%
HK$48,872
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,136/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,226
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,520
−HK$1,312/mo
Today · 4.125%
HK$50,832
baseline
▲ 0.50% · 4.625%
HK$53,511
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,664/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,063 · Scale 2, in force from 26 Feb 2026)