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$24,041
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,789
−HK$760/mo
Today · 4.125%
HK$25,549
baseline
▲ 0.50% · 4.625%
HK$27,103
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,098/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,746
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,463
−HK$728/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,676
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,849
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,747
−HK$912/mo
Today · 4.125%
HK$30,659
baseline
▲ 0.50% · 4.625%
HK$32,524
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,318/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,095
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,955
−HK$874/mo
Today · 4.125%
HK$33,829
baseline
▲ 0.50% · 4.625%
HK$35,612
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,658/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,658
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,705
−HK$1,063/mo
Today · 4.125%
HK$35,768
baseline
▲ 0.50% · 4.625%
HK$37,945
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,536/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,444
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,448
−HK$1,019/mo
Today · 4.125%
HK$39,467
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,934/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,274
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,620
−HK$1,368/mo
Today · 4.125%
HK$45,988
baseline
▲ 0.50% · 4.625%
HK$48,786
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,976/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,142
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,433
−HK$1,310/mo
Today · 4.125%
HK$50,743
baseline
▲ 0.50% · 4.625%
HK$53,418
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,486/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,370 · Scale 2, in force from 26 Feb 2026)