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$24,112
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,862
−HK$762/mo
Today · 4.125%
HK$25,624
baseline
▲ 0.50% · 4.625%
HK$27,183
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,248/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,824
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,544
−HK$729/mo
Today · 4.125%
HK$28,273
baseline
▲ 0.50% · 4.625%
HK$29,764
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,546/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,934
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,834
−HK$915/mo
Today · 4.125%
HK$30,749
baseline
▲ 0.50% · 4.625%
HK$32,620
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,498/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,189
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,052
−HK$876/mo
Today · 4.125%
HK$33,928
baseline
▲ 0.50% · 4.625%
HK$35,717
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,856/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,757
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,807
−HK$1,066/mo
Today · 4.125%
HK$35,873
baseline
▲ 0.50% · 4.625%
HK$38,056
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,746/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,554
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,561
−HK$1,022/mo
Today · 4.125%
HK$39,583
baseline
▲ 0.50% · 4.625%
HK$41,669
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,166/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,401
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,751
−HK$1,372/mo
Today · 4.125%
HK$46,123
baseline
▲ 0.50% · 4.625%
HK$48,929
+HK$2,806/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,246/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,284
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,579
−HK$1,313/mo
Today · 4.125%
HK$50,892
baseline
▲ 0.50% · 4.625%
HK$53,575
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,784/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,533 · Scale 2, in force from 26 Feb 2026)