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$24,116
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,866
−HK$762/mo
Today · 4.125%
HK$25,628
baseline
▲ 0.50% · 4.625%
HK$27,188
+HK$1,560/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,256/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,829
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$27,548
−HK$730/mo
Today · 4.125%
HK$28,278
baseline
▲ 0.50% · 4.625%
HK$29,769
+HK$1,491/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,556/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,939
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$29,840
−HK$914/mo
Today · 4.125%
HK$30,754
baseline
▲ 0.50% · 4.625%
HK$32,625
+HK$1,871/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,508/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,195
−HK$1,739/mo
▼ 0.25% · 3.875%
HK$33,058
−HK$876/mo
Today · 4.125%
HK$33,934
baseline
▲ 0.50% · 4.625%
HK$35,723
+HK$1,789/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,868/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,763
−HK$2,117/mo
▼ 0.25% · 3.875%
HK$34,813
−HK$1,067/mo
Today · 4.125%
HK$35,880
baseline
▲ 0.50% · 4.625%
HK$38,063
+HK$2,183/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,760/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,561
−HK$2,029/mo
▼ 0.25% · 3.875%
HK$38,568
−HK$1,022/mo
Today · 4.125%
HK$39,590
baseline
▲ 0.50% · 4.625%
HK$41,677
+HK$2,087/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,180/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,409
−HK$2,722/mo
▼ 0.25% · 3.875%
HK$44,759
−HK$1,372/mo
Today · 4.125%
HK$46,131
baseline
▲ 0.50% · 4.625%
HK$48,938
+HK$2,807/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$92,262/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,292
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,587
−HK$1,314/mo
Today · 4.125%
HK$50,901
baseline
▲ 0.50% · 4.625%
HK$53,584
+HK$2,683/mo
Deposit HK$1.06M · loan HK$9.52M · min. income ≈ HK$101,802/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,603 · Scale 2, in force from 26 Feb 2026)