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$24,110
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,859
−HK$762/mo
Today · 4.125%
HK$25,621
baseline
▲ 0.50% · 4.625%
HK$27,180
+HK$1,559/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,242/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,822
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$730/mo
Today · 4.125%
HK$28,271
baseline
▲ 0.50% · 4.625%
HK$29,761
+HK$1,490/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,542/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,931
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,831
−HK$915/mo
Today · 4.125%
HK$30,746
baseline
▲ 0.50% · 4.625%
HK$32,616
+HK$1,870/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,492/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,186
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,049
−HK$876/mo
Today · 4.125%
HK$33,925
baseline
▲ 0.50% · 4.625%
HK$35,713
+HK$1,788/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,850/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,753
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,803
−HK$1,067/mo
Today · 4.125%
HK$35,870
baseline
▲ 0.50% · 4.625%
HK$38,053
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,740/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,550
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,557
−HK$1,022/mo
Today · 4.125%
HK$39,579
baseline
▲ 0.50% · 4.625%
HK$41,665
+HK$2,086/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,158/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,397
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,747
−HK$1,372/mo
Today · 4.125%
HK$46,119
baseline
▲ 0.50% · 4.625%
HK$48,925
+HK$2,806/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,238/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,279
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$49,574
−HK$1,313/mo
Today · 4.125%
HK$50,887
baseline
▲ 0.50% · 4.625%
HK$53,570
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,774/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,494 · Scale 2, in force from 26 Feb 2026)