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$24,131
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,882
−HK$763/mo
Today · 4.125%
HK$25,645
baseline
▲ 0.50% · 4.625%
HK$27,205
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,290/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,846
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,566
−HK$730/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$29,788
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,958
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,859
−HK$915/mo
Today · 4.125%
HK$30,774
baseline
▲ 0.50% · 4.625%
HK$32,646
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,548/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,215
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,079
−HK$877/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$35,746
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,784
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$1,068/mo
Today · 4.125%
HK$35,903
baseline
▲ 0.50% · 4.625%
HK$38,087
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,806/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,584
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,592
−HK$1,023/mo
Today · 4.125%
HK$39,615
baseline
▲ 0.50% · 4.625%
HK$41,703
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,230/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,437
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$44,788
−HK$1,373/mo
Today · 4.125%
HK$46,161
baseline
▲ 0.50% · 4.625%
HK$48,969
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,322/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,323
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,619
−HK$1,315/mo
Today · 4.125%
HK$50,934
baseline
▲ 0.50% · 4.625%
HK$53,618
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,868/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,855 · Scale 2, in force from 26 Feb 2026)