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$24,068
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,816
−HK$761/mo
Today · 4.125%
HK$25,577
baseline
▲ 0.50% · 4.625%
HK$27,133
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,154/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,775
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,493
−HK$728/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,709
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,881
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,779
−HK$913/mo
Today · 4.125%
HK$30,692
baseline
▲ 0.50% · 4.625%
HK$32,560
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,384/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,130
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,992
−HK$874/mo
Today · 4.125%
HK$33,866
baseline
▲ 0.50% · 4.625%
HK$35,651
+HK$1,785/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,732/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,695
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,743
−HK$1,065/mo
Today · 4.125%
HK$35,808
baseline
▲ 0.50% · 4.625%
HK$37,986
+HK$2,178/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,616/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,485
−HK$2,025/mo
▼ 0.25% · 3.875%
HK$38,490
−HK$1,020/mo
Today · 4.125%
HK$39,510
baseline
▲ 0.50% · 4.625%
HK$41,593
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,020/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,322
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,669
−HK$1,369/mo
Today · 4.125%
HK$46,038
baseline
▲ 0.50% · 4.625%
HK$48,840
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,076/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,195
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$49,487
−HK$1,312/mo
Today · 4.125%
HK$50,799
baseline
▲ 0.50% · 4.625%
HK$53,476
+HK$2,677/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,598/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,804 · Scale 2, in force from 26 Feb 2026)