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$24,105
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,855
−HK$762/mo
Today · 4.125%
HK$25,617
baseline
▲ 0.50% · 4.625%
HK$27,176
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,234/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,817
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,536
−HK$730/mo
Today · 4.125%
HK$28,266
baseline
▲ 0.50% · 4.625%
HK$29,756
+HK$1,490/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,532/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,927
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,826
−HK$914/mo
Today · 4.125%
HK$30,740
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,480/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,180
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,044
−HK$875/mo
Today · 4.125%
HK$33,919
baseline
▲ 0.50% · 4.625%
HK$35,707
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,838/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,748
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,797
−HK$1,067/mo
Today · 4.125%
HK$35,864
baseline
▲ 0.50% · 4.625%
HK$38,046
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,728/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,544
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$38,551
−HK$1,021/mo
Today · 4.125%
HK$39,572
baseline
▲ 0.50% · 4.625%
HK$41,658
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,144/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,390
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,739
−HK$1,372/mo
Today · 4.125%
HK$46,111
baseline
▲ 0.50% · 4.625%
HK$48,916
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,222/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,271
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,565
−HK$1,314/mo
Today · 4.125%
HK$50,879
baseline
▲ 0.50% · 4.625%
HK$53,561
+HK$2,682/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,758/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,427 · Scale 2, in force from 26 Feb 2026)