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$24,120
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,870
−HK$762/mo
Today · 4.125%
HK$25,632
baseline
▲ 0.50% · 4.625%
HK$27,192
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,264/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,833
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,552
−HK$730/mo
Today · 4.125%
HK$28,282
baseline
▲ 0.50% · 4.625%
HK$29,773
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,564/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,943
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,844
−HK$914/mo
Today · 4.125%
HK$30,758
baseline
▲ 0.50% · 4.625%
HK$32,630
+HK$1,872/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,516/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,199
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,063
−HK$876/mo
Today · 4.125%
HK$33,939
baseline
▲ 0.50% · 4.625%
HK$35,728
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,878/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,767
−HK$2,118/mo
▼ 0.25% · 3.875%
HK$34,818
−HK$1,067/mo
Today · 4.125%
HK$35,885
baseline
▲ 0.50% · 4.625%
HK$38,068
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,770/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,566
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,573
−HK$1,022/mo
Today · 4.125%
HK$39,595
baseline
▲ 0.50% · 4.625%
HK$41,683
+HK$2,088/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,190/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,415
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,766
−HK$1,372/mo
Today · 4.125%
HK$46,138
baseline
▲ 0.50% · 4.625%
HK$48,945
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,276/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,299
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,594
−HK$1,314/mo
Today · 4.125%
HK$50,908
baseline
▲ 0.50% · 4.625%
HK$53,592
+HK$2,684/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,816/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,659 · Scale 2, in force from 26 Feb 2026)