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$395,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,736
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$727/mo
Today · 4.125%
HK$28,180
baseline
▲ 0.50% · 4.625%
HK$29,666
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,360/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,839
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,736
−HK$911/mo
Today · 4.125%
HK$30,647
baseline
▲ 0.50% · 4.625%
HK$32,512
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,294/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,083
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$872/mo
Today · 4.125%
HK$33,816
baseline
▲ 0.50% · 4.625%
HK$35,599
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,632/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,646
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,692
−HK$1,063/mo
Today · 4.125%
HK$35,755
baseline
▲ 0.50% · 4.625%
HK$37,931
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,510/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,430
−HK$2,023/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$395,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,259
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,604
−HK$1,367/mo
Today · 4.125%
HK$45,971
baseline
▲ 0.50% · 4.625%
HK$48,768
+HK$2,797/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,942/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,125
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,415
−HK$1,310/mo
Today · 4.125%
HK$50,725
baseline
▲ 0.50% · 4.625%
HK$53,398
+HK$2,673/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$395,228 · Scale 2, in force from 26 Feb 2026)