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$24,084
−HK$1,510/mo
▼ 0.25% · 3.875%
HK$24,833
−HK$761/mo
Today · 4.125%
HK$25,594
baseline
▲ 0.50% · 4.625%
HK$27,152
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,188/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,793
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,512
−HK$729/mo
Today · 4.125%
HK$28,241
baseline
▲ 0.50% · 4.625%
HK$29,729
+HK$1,488/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,482/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,901
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,800
−HK$913/mo
Today · 4.125%
HK$30,713
baseline
▲ 0.50% · 4.625%
HK$32,582
+HK$1,869/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$61,426/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,152
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,014
−HK$875/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$1,786/mo
Deposit HK$4.22M · loan HK$6.34M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,718
−HK$2,114/mo
▼ 0.25% · 3.875%
HK$34,766
−HK$1,066/mo
Today · 4.125%
HK$35,832
baseline
▲ 0.50% · 4.625%
HK$38,012
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,664/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,511
−HK$2,026/mo
▼ 0.25% · 3.875%
HK$38,517
−HK$1,020/mo
Today · 4.125%
HK$39,537
baseline
▲ 0.50% · 4.625%
HK$41,621
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,074/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$396,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,351
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,700
−HK$1,370/mo
Today · 4.125%
HK$46,070
baseline
▲ 0.50% · 4.625%
HK$48,873
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,140/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,228
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$49,521
−HK$1,312/mo
Today · 4.125%
HK$50,833
baseline
▲ 0.50% · 4.625%
HK$53,513
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,666/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,075 · Scale 2, in force from 26 Feb 2026)