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$24,096
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,845
−HK$762/mo
Today · 4.125%
HK$25,607
baseline
▲ 0.50% · 4.625%
HK$27,165
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,214/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,806
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,525
−HK$730/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,744
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,915
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,814
−HK$914/mo
Today · 4.125%
HK$30,728
baseline
▲ 0.50% · 4.625%
HK$32,598
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,456/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,168
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,030
−HK$876/mo
Today · 4.125%
HK$33,906
baseline
▲ 0.50% · 4.625%
HK$35,693
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,812/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,734
−HK$2,116/mo
▼ 0.25% · 3.875%
HK$34,783
−HK$1,067/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$38,031
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,700/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,529
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,535
−HK$1,021/mo
Today · 4.125%
HK$39,556
baseline
▲ 0.50% · 4.625%
HK$41,642
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,112/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,372
−HK$2,720/mo
▼ 0.25% · 3.875%
HK$44,722
−HK$1,370/mo
Today · 4.125%
HK$46,092
baseline
▲ 0.50% · 4.625%
HK$48,897
+HK$2,805/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,184/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,251
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,546
−HK$1,312/mo
Today · 4.125%
HK$50,858
baseline
▲ 0.50% · 4.625%
HK$53,539
+HK$2,681/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,716/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,269 · Scale 2, in force from 26 Feb 2026)