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$24,050
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$760/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$27,114
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,756
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$728/mo
Today · 4.125%
HK$28,201
baseline
▲ 0.50% · 4.625%
HK$29,688
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,402/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$912/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,107
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$874/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,625
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,671
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,718
−HK$1,064/mo
Today · 4.125%
HK$35,782
baseline
▲ 0.50% · 4.625%
HK$37,959
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,564/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,458
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,463
−HK$1,019/mo
Today · 4.125%
HK$39,482
baseline
▲ 0.50% · 4.625%
HK$41,563
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,964/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,291
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,637
−HK$1,368/mo
Today · 4.125%
HK$46,005
baseline
▲ 0.50% · 4.625%
HK$48,805
+HK$2,800/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,010/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,161
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,452
−HK$1,310/mo
Today · 4.125%
HK$50,762
baseline
▲ 0.50% · 4.625%
HK$53,438
+HK$2,676/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,524/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,522 · Scale 2, in force from 26 Feb 2026)