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$1,508/mo
▼ 0.25% · 3.875%
HK$24,800
−HK$760/mo
Today · 4.125%
HK$25,560
baseline
▲ 0.50% · 4.625%
HK$27,115
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,120/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,757
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,475
−HK$728/mo
Today · 4.125%
HK$28,203
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,406/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,862
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,760
−HK$912/mo
Today · 4.125%
HK$30,672
baseline
▲ 0.50% · 4.625%
HK$32,538
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,344/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,109
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,970
−HK$873/mo
Today · 4.125%
HK$33,843
baseline
▲ 0.50% · 4.625%
HK$35,627
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,686/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,672
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,720
−HK$1,064/mo
Today · 4.125%
HK$35,784
baseline
▲ 0.50% · 4.625%
HK$37,961
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,568/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,460
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,465
−HK$1,019/mo
Today · 4.125%
HK$39,484
baseline
▲ 0.50% · 4.625%
HK$41,565
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,968/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,293
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,640
−HK$1,368/mo
Today · 4.125%
HK$46,008
baseline
▲ 0.50% · 4.625%
HK$48,807
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,016/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,163
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,455
−HK$1,310/mo
Today · 4.125%
HK$50,765
baseline
▲ 0.50% · 4.625%
HK$53,441
+HK$2,676/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,530/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,542 · Scale 2, in force from 26 Feb 2026)