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$24,072
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,821
−HK$761/mo
Today · 4.125%
HK$25,582
baseline
▲ 0.50% · 4.625%
HK$27,138
+HK$1,556/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,164/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,780
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,498
−HK$729/mo
Today · 4.125%
HK$28,227
baseline
▲ 0.50% · 4.625%
HK$29,715
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,454/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,887
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,785
−HK$913/mo
Today · 4.125%
HK$30,698
baseline
▲ 0.50% · 4.625%
HK$32,566
+HK$1,868/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,396/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,136
−HK$1,736/mo
▼ 0.25% · 3.875%
HK$32,998
−HK$874/mo
Today · 4.125%
HK$33,872
baseline
▲ 0.50% · 4.625%
HK$35,658
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,744/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,701
−HK$2,113/mo
▼ 0.25% · 3.875%
HK$34,749
−HK$1,065/mo
Today · 4.125%
HK$35,814
baseline
▲ 0.50% · 4.625%
HK$37,994
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,628/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,492
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,498
−HK$1,020/mo
Today · 4.125%
HK$39,518
baseline
▲ 0.50% · 4.625%
HK$41,601
+HK$2,083/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,036/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,330
−HK$2,717/mo
▼ 0.25% · 3.875%
HK$44,678
−HK$1,369/mo
Today · 4.125%
HK$46,047
baseline
▲ 0.50% · 4.625%
HK$48,849
+HK$2,802/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$92,094/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,204
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,497
−HK$1,312/mo
Today · 4.125%
HK$50,809
baseline
▲ 0.50% · 4.625%
HK$53,487
+HK$2,678/mo
Deposit HK$1.06M · loan HK$9.50M · min. income ≈ HK$101,618/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,881 · Scale 2, in force from 26 Feb 2026)