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$24,118
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,868
−HK$763/mo
Today · 4.125%
HK$25,631
baseline
▲ 0.50% · 4.625%
HK$27,190
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,262/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,831
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,551
−HK$730/mo
Today · 4.125%
HK$28,281
baseline
▲ 0.50% · 4.625%
HK$29,772
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,562/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,942
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,842
−HK$915/mo
Today · 4.125%
HK$30,757
baseline
▲ 0.50% · 4.625%
HK$32,628
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,514/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,198
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,061
−HK$876/mo
Today · 4.125%
HK$33,937
baseline
▲ 0.50% · 4.625%
HK$35,726
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,874/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,766
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,816
−HK$1,067/mo
Today · 4.125%
HK$35,883
baseline
▲ 0.50% · 4.625%
HK$38,066
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,766/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,564
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,571
−HK$1,022/mo
Today · 4.125%
HK$39,593
baseline
▲ 0.50% · 4.625%
HK$41,680
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,186/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,413
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,763
−HK$1,372/mo
Today · 4.125%
HK$46,135
baseline
▲ 0.50% · 4.625%
HK$48,942
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,270/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,296
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,592
−HK$1,314/mo
Today · 4.125%
HK$50,906
baseline
▲ 0.50% · 4.625%
HK$53,589
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,812/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,638 · Scale 2, in force from 26 Feb 2026)