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$24,143
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,894
−HK$763/mo
Today · 4.125%
HK$25,657
baseline
▲ 0.50% · 4.625%
HK$27,218
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,314/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,859
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,580
−HK$730/mo
Today · 4.125%
HK$28,310
baseline
▲ 0.50% · 4.625%
HK$29,803
+HK$1,493/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,620/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,972
−HK$1,817/mo
▼ 0.25% · 3.875%
HK$29,873
−HK$916/mo
Today · 4.125%
HK$30,789
baseline
▲ 0.50% · 4.625%
HK$32,662
+HK$1,873/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$61,578/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,231
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,095
−HK$877/mo
Today · 4.125%
HK$33,972
baseline
▲ 0.50% · 4.625%
HK$35,763
+HK$1,791/mo
Deposit HK$4.24M · loan HK$6.35M · min. income ≈ HK$67,944/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,801
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,852
−HK$1,068/mo
Today · 4.125%
HK$35,920
baseline
▲ 0.50% · 4.625%
HK$38,106
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,840/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,603
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,611
−HK$1,023/mo
Today · 4.125%
HK$39,634
baseline
▲ 0.50% · 4.625%
HK$41,724
+HK$2,090/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,268/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,458
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,810
−HK$1,373/mo
Today · 4.125%
HK$46,183
baseline
▲ 0.50% · 4.625%
HK$48,993
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,366/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,346
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$49,643
−HK$1,316/mo
Today · 4.125%
HK$50,959
baseline
▲ 0.50% · 4.625%
HK$53,645
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,918/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,049 · Scale 2, in force from 26 Feb 2026)