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$24,079
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,828
−HK$761/mo
Today · 4.125%
HK$25,589
baseline
▲ 0.50% · 4.625%
HK$27,146
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,178/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,787
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,506
−HK$728/mo
Today · 4.125%
HK$28,234
baseline
▲ 0.50% · 4.625%
HK$29,723
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,468/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$395,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,894
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,793
−HK$913/mo
Today · 4.125%
HK$30,706
baseline
▲ 0.50% · 4.625%
HK$32,575
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,412/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,145
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,007
−HK$874/mo
Today · 4.125%
HK$33,881
baseline
▲ 0.50% · 4.625%
HK$35,667
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,762/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,710
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,759
−HK$1,065/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$38,004
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,502
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,508
−HK$1,020/mo
Today · 4.125%
HK$39,528
baseline
▲ 0.50% · 4.625%
HK$41,612
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,056/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,342
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,690
−HK$1,369/mo
Today · 4.125%
HK$46,059
baseline
▲ 0.50% · 4.625%
HK$48,862
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,118/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,217
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,510
−HK$1,312/mo
Today · 4.125%
HK$50,822
baseline
▲ 0.50% · 4.625%
HK$53,501
+HK$2,679/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,644/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,986 · Scale 2, in force from 26 Feb 2026)