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$24,037
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,785
−HK$760/mo
Today · 4.125%
HK$25,545
baseline
▲ 0.50% · 4.625%
HK$27,099
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,090/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,459
−HK$727/mo
Today · 4.125%
HK$28,186
baseline
▲ 0.50% · 4.625%
HK$29,672
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,372/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,845
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,742
−HK$912/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,519
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,090
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,950
−HK$873/mo
Today · 4.125%
HK$33,823
baseline
▲ 0.50% · 4.625%
HK$35,606
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,646/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,652
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,699
−HK$1,064/mo
Today · 4.125%
HK$35,763
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,526/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,438
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,442
−HK$1,019/mo
Today · 4.125%
HK$39,461
baseline
▲ 0.50% · 4.625%
HK$41,541
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,922/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,267
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,613
−HK$1,368/mo
Today · 4.125%
HK$45,981
baseline
▲ 0.50% · 4.625%
HK$48,778
+HK$2,797/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,962/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,135
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,425
−HK$1,310/mo
Today · 4.125%
HK$50,735
baseline
▲ 0.50% · 4.625%
HK$53,409
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,470/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,309 · Scale 2, in force from 26 Feb 2026)