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$24,093
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,842
−HK$761/mo
Today · 4.125%
HK$25,603
baseline
▲ 0.50% · 4.625%
HK$27,161
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,206/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,803
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$729/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,740
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,911
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,811
−HK$913/mo
Today · 4.125%
HK$30,724
baseline
▲ 0.50% · 4.625%
HK$32,594
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,448/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,163
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,026
−HK$875/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,730
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,779
−HK$1,066/mo
Today · 4.125%
HK$35,845
baseline
▲ 0.50% · 4.625%
HK$38,026
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,690/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,524
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,530
−HK$1,021/mo
Today · 4.125%
HK$39,551
baseline
▲ 0.50% · 4.625%
HK$41,636
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,102/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,367
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,716
−HK$1,370/mo
Today · 4.125%
HK$46,086
baseline
▲ 0.50% · 4.625%
HK$48,891
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,172/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,245
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,539
−HK$1,313/mo
Today · 4.125%
HK$50,852
baseline
▲ 0.50% · 4.625%
HK$53,532
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,704/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,217 · Scale 2, in force from 26 Feb 2026)