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$24,087
−HK$1,511/mo
▼ 0.25% · 3.875%
HK$24,836
−HK$762/mo
Today · 4.125%
HK$25,598
baseline
▲ 0.50% · 4.625%
HK$27,155
+HK$1,557/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$51,196/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,797
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$27,515
−HK$729/mo
Today · 4.125%
HK$28,244
baseline
▲ 0.50% · 4.625%
HK$29,733
+HK$1,489/mo
Deposit HK$5.28M · loan HK$5.28M · min. income ≈ HK$56,488/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$396,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,905
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,804
−HK$913/mo
Today · 4.125%
HK$30,717
baseline
▲ 0.50% · 4.625%
HK$32,586
+HK$1,869/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$61,434/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,156
−HK$1,737/mo
▼ 0.25% · 3.875%
HK$33,018
−HK$875/mo
Today · 4.125%
HK$33,893
baseline
▲ 0.50% · 4.625%
HK$35,680
+HK$1,787/mo
Deposit HK$4.23M · loan HK$6.34M · min. income ≈ HK$67,786/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$396,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,722
−HK$2,115/mo
▼ 0.25% · 3.875%
HK$34,771
−HK$1,066/mo
Today · 4.125%
HK$35,837
baseline
▲ 0.50% · 4.625%
HK$38,017
+HK$2,180/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$71,674/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,515
−HK$2,027/mo
▼ 0.25% · 3.875%
HK$38,521
−HK$1,021/mo
Today · 4.125%
HK$39,542
baseline
▲ 0.50% · 4.625%
HK$41,626
+HK$2,084/mo
Deposit HK$3.17M · loan HK$7.39M · min. income ≈ HK$79,084/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,357
−HK$2,719/mo
▼ 0.25% · 3.875%
HK$44,705
−HK$1,371/mo
Today · 4.125%
HK$46,076
baseline
▲ 0.50% · 4.625%
HK$48,879
+HK$2,803/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$92,152/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,234
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$49,528
−HK$1,312/mo
Today · 4.125%
HK$50,840
baseline
▲ 0.50% · 4.625%
HK$53,520
+HK$2,680/mo
Deposit HK$1.06M · loan HK$9.51M · min. income ≈ HK$101,680/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$396,125 · Scale 2, in force from 26 Feb 2026)