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$24,099
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,848
−HK$762/mo
Today · 4.125%
HK$25,610
baseline
▲ 0.50% · 4.625%
HK$27,168
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,220/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,810
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$729/mo
Today · 4.125%
HK$28,258
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,490/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,516/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,919
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,818
−HK$914/mo
Today · 4.125%
HK$30,732
baseline
▲ 0.50% · 4.625%
HK$32,602
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,464/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,172
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,035
−HK$875/mo
Today · 4.125%
HK$33,910
baseline
▲ 0.50% · 4.625%
HK$35,697
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,820/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,738
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$1,066/mo
Today · 4.125%
HK$35,854
baseline
▲ 0.50% · 4.625%
HK$38,036
+HK$2,182/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,708/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,534
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,540
−HK$1,021/mo
Today · 4.125%
HK$39,561
baseline
▲ 0.50% · 4.625%
HK$41,647
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,122/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,378
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,727
−HK$1,371/mo
Today · 4.125%
HK$46,098
baseline
▲ 0.50% · 4.625%
HK$48,903
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,196/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,258
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,552
−HK$1,313/mo
Today · 4.125%
HK$50,865
baseline
▲ 0.50% · 4.625%
HK$53,546
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,730/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,319 · Scale 2, in force from 26 Feb 2026)