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$24,111
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,860
−HK$762/mo
Today · 4.125%
HK$25,622
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,244/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,823
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,542
−HK$730/mo
Today · 4.125%
HK$28,272
baseline
▲ 0.50% · 4.625%
HK$29,762
+HK$1,490/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,544/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,933
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$29,833
−HK$914/mo
Today · 4.125%
HK$30,747
baseline
▲ 0.50% · 4.625%
HK$32,618
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,494/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,187
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,050
−HK$876/mo
Today · 4.125%
HK$33,926
baseline
▲ 0.50% · 4.625%
HK$35,715
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,852/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,755
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,805
−HK$1,066/mo
Today · 4.125%
HK$35,871
baseline
▲ 0.50% · 4.625%
HK$38,054
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,742/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,552
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,559
−HK$1,022/mo
Today · 4.125%
HK$39,581
baseline
▲ 0.50% · 4.625%
HK$41,667
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,162/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,399
−HK$2,721/mo
▼ 0.25% · 3.875%
HK$44,749
−HK$1,371/mo
Today · 4.125%
HK$46,120
baseline
▲ 0.50% · 4.625%
HK$48,927
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,240/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,281
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,576
−HK$1,313/mo
Today · 4.125%
HK$50,889
baseline
▲ 0.50% · 4.625%
HK$53,572
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,778/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,510 · Scale 2, in force from 26 Feb 2026)