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$24,140
−HK$1,514/mo
▼ 0.25% · 3.875%
HK$24,891
−HK$763/mo
Today · 4.125%
HK$25,654
baseline
▲ 0.50% · 4.625%
HK$27,215
+HK$1,561/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$51,308/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,855
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$730/mo
Today · 4.125%
HK$28,306
baseline
▲ 0.50% · 4.625%
HK$29,798
+HK$1,492/mo
Deposit HK$5.29M · loan HK$5.29M · min. income ≈ HK$56,612/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$396,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,968
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,869
−HK$915/mo
Today · 4.125%
HK$30,784
baseline
▲ 0.50% · 4.625%
HK$32,658
+HK$1,874/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$61,568/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,226
−HK$1,742/mo
▼ 0.25% · 3.875%
HK$33,091
−HK$877/mo
Today · 4.125%
HK$33,968
baseline
▲ 0.50% · 4.625%
HK$35,758
+HK$1,790/mo
Deposit HK$4.23M · loan HK$6.35M · min. income ≈ HK$67,936/mo (50% DSR)
Upfront cash ≈ HK$4.63M (deposit + AVD stamp duty HK$396,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,796
−HK$2,119/mo
▼ 0.25% · 3.875%
HK$34,847
−HK$1,068/mo
Today · 4.125%
HK$35,915
baseline
▲ 0.50% · 4.625%
HK$38,100
+HK$2,185/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$71,830/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,598
−HK$2,031/mo
▼ 0.25% · 3.875%
HK$38,606
−HK$1,023/mo
Today · 4.125%
HK$39,629
baseline
▲ 0.50% · 4.625%
HK$41,718
+HK$2,089/mo
Deposit HK$3.18M · loan HK$7.41M · min. income ≈ HK$79,258/mo (50% DSR)
Upfront cash ≈ HK$3.57M (deposit + AVD stamp duty HK$396,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,452
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$44,803
−HK$1,374/mo
Today · 4.125%
HK$46,177
baseline
▲ 0.50% · 4.625%
HK$48,986
+HK$2,809/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$92,354/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,340
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$49,636
−HK$1,315/mo
Today · 4.125%
HK$50,951
baseline
▲ 0.50% · 4.625%
HK$53,637
+HK$2,686/mo
Deposit HK$1.06M · loan HK$9.53M · min. income ≈ HK$101,902/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$396,993 · Scale 2, in force from 26 Feb 2026)