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$24,141
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,892
−HK$763/mo
Today · 4.125%
HK$25,655
baseline
▲ 0.50% · 4.625%
HK$27,216
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,310/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,857
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,577
−HK$731/mo
Today · 4.125%
HK$28,308
baseline
▲ 0.50% · 4.625%
HK$29,800
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,616/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$397,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,970
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,871
−HK$915/mo
Today · 4.125%
HK$30,786
baseline
▲ 0.50% · 4.625%
HK$32,660
+HK$1,874/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,572/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,229
−HK$1,741/mo
▼ 0.25% · 3.875%
HK$33,093
−HK$877/mo
Today · 4.125%
HK$33,970
baseline
▲ 0.50% · 4.625%
HK$35,760
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,940/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$397,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,798
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,849
−HK$1,068/mo
Today · 4.125%
HK$35,917
baseline
▲ 0.50% · 4.625%
HK$38,103
+HK$2,186/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,834/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,600
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,608
−HK$1,023/mo
Today · 4.125%
HK$39,631
baseline
▲ 0.50% · 4.625%
HK$41,720
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,262/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$397,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,455
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,806
−HK$1,374/mo
Today · 4.125%
HK$46,180
baseline
▲ 0.50% · 4.625%
HK$48,990
+HK$2,810/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,360/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,343
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$49,639
−HK$1,316/mo
Today · 4.125%
HK$50,955
baseline
▲ 0.50% · 4.625%
HK$53,641
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,910/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$397,019 · Scale 2, in force from 26 Feb 2026)