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$24,125
−HK$1,513/mo
▼ 0.25% · 3.875%
HK$24,875
−HK$763/mo
Today · 4.125%
HK$25,638
baseline
▲ 0.50% · 4.625%
HK$27,198
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,276/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,839
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$27,558
−HK$731/mo
Today · 4.125%
HK$28,289
baseline
▲ 0.50% · 4.625%
HK$29,780
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,578/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,950
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,850
−HK$915/mo
Today · 4.125%
HK$30,765
baseline
▲ 0.50% · 4.625%
HK$32,637
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,530/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,206
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,070
−HK$876/mo
Today · 4.125%
HK$33,946
baseline
▲ 0.50% · 4.625%
HK$35,736
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,892/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,775
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,825
−HK$1,068/mo
Today · 4.125%
HK$35,893
baseline
▲ 0.50% · 4.625%
HK$38,077
+HK$2,184/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$71,786/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,574
−HK$2,030/mo
▼ 0.25% · 3.875%
HK$38,582
−HK$1,022/mo
Today · 4.125%
HK$39,604
baseline
▲ 0.50% · 4.625%
HK$41,692
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.41M · min. income ≈ HK$79,208/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,425
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,775
−HK$1,373/mo
Today · 4.125%
HK$46,148
baseline
▲ 0.50% · 4.625%
HK$48,956
+HK$2,808/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,296/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,309
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$49,605
−HK$1,314/mo
Today · 4.125%
HK$50,919
baseline
▲ 0.50% · 4.625%
HK$53,604
+HK$2,685/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,838/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,745 · Scale 2, in force from 26 Feb 2026)