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$24,115
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,865
−HK$762/mo
Today · 4.125%
HK$25,627
baseline
▲ 0.50% · 4.625%
HK$27,187
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,254/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,828
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,547
−HK$730/mo
Today · 4.125%
HK$28,277
baseline
▲ 0.50% · 4.625%
HK$29,768
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,554/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,938
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,838
−HK$915/mo
Today · 4.125%
HK$30,753
baseline
▲ 0.50% · 4.625%
HK$32,624
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,506/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,193
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,057
−HK$876/mo
Today · 4.125%
HK$33,933
baseline
▲ 0.50% · 4.625%
HK$35,721
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,866/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,761
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,811
−HK$1,067/mo
Today · 4.125%
HK$35,878
baseline
▲ 0.50% · 4.625%
HK$38,061
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,756/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,559
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,566
−HK$1,022/mo
Today · 4.125%
HK$39,588
baseline
▲ 0.50% · 4.625%
HK$41,675
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,176/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,407
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,757
−HK$1,372/mo
Today · 4.125%
HK$46,129
baseline
▲ 0.50% · 4.625%
HK$48,936
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,258/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,290
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,585
−HK$1,314/mo
Today · 4.125%
HK$50,899
baseline
▲ 0.50% · 4.625%
HK$53,582
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,798/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,585 · Scale 2, in force from 26 Feb 2026)