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$24,033
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,780
−HK$760/mo
Today · 4.125%
HK$25,540
baseline
▲ 0.50% · 4.625%
HK$27,094
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,080/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,736
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$728/mo
Today · 4.125%
HK$28,181
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,362/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,839
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,736
−HK$912/mo
Today · 4.125%
HK$30,648
baseline
▲ 0.50% · 4.625%
HK$32,513
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,296/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,083
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$873/mo
Today · 4.125%
HK$33,817
baseline
▲ 0.50% · 4.625%
HK$35,599
+HK$1,782/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,634/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,692
−HK$1,064/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,931
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,431
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,434
−HK$1,019/mo
Today · 4.125%
HK$39,453
baseline
▲ 0.50% · 4.625%
HK$41,532
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,906/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,259
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,604
−HK$1,368/mo
Today · 4.125%
HK$45,972
baseline
▲ 0.50% · 4.625%
HK$48,769
+HK$2,797/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,944/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,125
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,416
−HK$1,309/mo
Today · 4.125%
HK$50,725
baseline
▲ 0.50% · 4.625%
HK$53,399
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,450/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,231 · Scale 2, in force from 26 Feb 2026)