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$24,146
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,897
−HK$763/mo
Today · 4.125%
HK$25,660
baseline
▲ 0.50% · 4.625%
HK$27,221
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,320/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,862
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,582
−HK$731/mo
Today · 4.125%
HK$28,313
baseline
▲ 0.50% · 4.625%
HK$29,805
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,626/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,975
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,876
−HK$916/mo
Today · 4.125%
HK$30,792
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,873/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,584/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,234
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,099
−HK$877/mo
Today · 4.125%
HK$33,976
baseline
▲ 0.50% · 4.625%
HK$35,767
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,952/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,804
−HK$2,120/mo
▼ 0.25% · 3.875%
HK$34,855
−HK$1,069/mo
Today · 4.125%
HK$35,924
baseline
▲ 0.50% · 4.625%
HK$38,110
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,848/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,606
−HK$2,032/mo
▼ 0.25% · 3.875%
HK$38,615
−HK$1,023/mo
Today · 4.125%
HK$39,638
baseline
▲ 0.50% · 4.625%
HK$41,728
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,276/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,462
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$44,814
−HK$1,374/mo
Today · 4.125%
HK$46,188
baseline
▲ 0.50% · 4.625%
HK$48,998
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,376/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,351
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,648
−HK$1,315/mo
Today · 4.125%
HK$50,963
baseline
▲ 0.50% · 4.625%
HK$53,650
+HK$2,687/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,926/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,088 · Scale 2, in force from 26 Feb 2026)