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$24,052
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,800
−HK$761/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$27,116
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,758
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$728/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,690
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,761
−HK$912/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,539
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,110
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$873/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,628
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,673
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$1,064/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,962
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,461
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,466
−HK$1,019/mo
Today · 4.125%
HK$39,485
baseline
▲ 0.50% · 4.625%
HK$41,566
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,970/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,294
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,641
−HK$1,368/mo
Today · 4.125%
HK$46,009
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,800/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,018/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,164
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,456
−HK$1,311/mo
Today · 4.125%
HK$50,767
baseline
▲ 0.50% · 4.625%
HK$53,442
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,534/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,553 · Scale 2, in force from 26 Feb 2026)