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$24,086
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,835
−HK$761/mo
Today · 4.125%
HK$25,596
baseline
▲ 0.50% · 4.625%
HK$27,154
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,192/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,795
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,514
−HK$729/mo
Today · 4.125%
HK$28,243
baseline
▲ 0.50% · 4.625%
HK$29,732
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,486/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,903
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,802
−HK$914/mo
Today · 4.125%
HK$30,716
baseline
▲ 0.50% · 4.625%
HK$32,584
+HK$1,868/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,432/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,154
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,017
−HK$875/mo
Today · 4.125%
HK$33,892
baseline
▲ 0.50% · 4.625%
HK$35,678
+HK$1,786/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,784/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,720
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,769
−HK$1,066/mo
Today · 4.125%
HK$35,835
baseline
▲ 0.50% · 4.625%
HK$38,015
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,670/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,513
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,519
−HK$1,021/mo
Today · 4.125%
HK$39,540
baseline
▲ 0.50% · 4.625%
HK$41,624
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,080/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,355
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$44,703
−HK$1,370/mo
Today · 4.125%
HK$46,073
baseline
▲ 0.50% · 4.625%
HK$48,877
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,146/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,232
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,525
−HK$1,312/mo
Today · 4.125%
HK$50,837
baseline
▲ 0.50% · 4.625%
HK$53,517
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,674/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,105 · Scale 2, in force from 26 Feb 2026)