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$24,075
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,824
−HK$760/mo
Today · 4.125%
HK$25,584
baseline
▲ 0.50% · 4.625%
HK$27,141
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,168/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,783
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,501
−HK$729/mo
Today · 4.125%
HK$28,230
baseline
▲ 0.50% · 4.625%
HK$29,718
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,460/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,890
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,788
−HK$913/mo
Today · 4.125%
HK$30,701
baseline
▲ 0.50% · 4.625%
HK$32,569
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,402/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,140
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$33,002
−HK$874/mo
Today · 4.125%
HK$33,876
baseline
▲ 0.50% · 4.625%
HK$35,662
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,752/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,705
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,753
−HK$1,065/mo
Today · 4.125%
HK$35,818
baseline
▲ 0.50% · 4.625%
HK$37,998
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,636/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,496
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,502
−HK$1,020/mo
Today · 4.125%
HK$39,522
baseline
▲ 0.50% · 4.625%
HK$41,605
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,044/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,335
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,683
−HK$1,369/mo
Today · 4.125%
HK$46,052
baseline
▲ 0.50% · 4.625%
HK$48,854
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,104/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,209
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,502
−HK$1,312/mo
Today · 4.125%
HK$50,814
baseline
▲ 0.50% · 4.625%
HK$53,492
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,628/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,923 · Scale 2, in force from 26 Feb 2026)