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$24,090
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,840
−HK$761/mo
Today · 4.125%
HK$25,601
baseline
▲ 0.50% · 4.625%
HK$27,159
+HK$1,558/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,202/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,800
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$27,519
−HK$729/mo
Today · 4.125%
HK$28,248
baseline
▲ 0.50% · 4.625%
HK$29,737
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,496/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,908
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$29,808
−HK$913/mo
Today · 4.125%
HK$30,721
baseline
▲ 0.50% · 4.625%
HK$32,590
+HK$1,869/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,442/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,160
−HK$1,738/mo
▼ 0.25% · 3.875%
HK$33,023
−HK$875/mo
Today · 4.125%
HK$33,898
baseline
▲ 0.50% · 4.625%
HK$35,685
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,796/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,726
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$1,065/mo
Today · 4.125%
HK$35,841
baseline
▲ 0.50% · 4.625%
HK$38,022
+HK$2,181/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$71,682/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,520
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,527
−HK$1,020/mo
Today · 4.125%
HK$39,547
baseline
▲ 0.50% · 4.625%
HK$41,632
+HK$2,085/mo
Deposit HK$3.17M · loan HK$7.40M · min. income ≈ HK$79,094/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,363
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,711
−HK$1,371/mo
Today · 4.125%
HK$46,082
baseline
▲ 0.50% · 4.625%
HK$48,886
+HK$2,804/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,164/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,240
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$49,534
−HK$1,313/mo
Today · 4.125%
HK$50,847
baseline
▲ 0.50% · 4.625%
HK$53,527
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,694/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,178 · Scale 2, in force from 26 Feb 2026)