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$24,129
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,880
−HK$762/mo
Today · 4.125%
HK$25,642
baseline
▲ 0.50% · 4.625%
HK$27,203
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,284/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,844
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,564
−HK$730/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$29,785
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,955
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,856
−HK$915/mo
Today · 4.125%
HK$30,771
baseline
▲ 0.50% · 4.625%
HK$32,643
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,542/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,212
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,076
−HK$877/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$35,742
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,781
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,832
−HK$1,067/mo
Today · 4.125%
HK$35,899
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$2,185/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,798/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,581
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,589
−HK$1,022/mo
Today · 4.125%
HK$39,611
baseline
▲ 0.50% · 4.625%
HK$41,699
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,222/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,433
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,784
−HK$1,372/mo
Today · 4.125%
HK$46,156
baseline
▲ 0.50% · 4.625%
HK$48,965
+HK$2,809/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,312/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,319
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,614
−HK$1,315/mo
Today · 4.125%
HK$50,929
baseline
▲ 0.50% · 4.625%
HK$53,614
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,858/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,820 · Scale 2, in force from 26 Feb 2026)