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$24,049
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,797
−HK$760/mo
Today · 4.125%
HK$25,557
baseline
▲ 0.50% · 4.625%
HK$27,112
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,114/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,754
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,472
−HK$727/mo
Today · 4.125%
HK$28,199
baseline
▲ 0.50% · 4.625%
HK$29,686
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,398/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,859
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,756
−HK$912/mo
Today · 4.125%
HK$30,668
baseline
▲ 0.50% · 4.625%
HK$32,534
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,336/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,105
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,966
−HK$873/mo
Today · 4.125%
HK$33,839
baseline
▲ 0.50% · 4.625%
HK$35,623
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,678/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,668
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,716
−HK$1,064/mo
Today · 4.125%
HK$35,780
baseline
▲ 0.50% · 4.625%
HK$37,957
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,560/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,456
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,460
−HK$1,019/mo
Today · 4.125%
HK$39,479
baseline
▲ 0.50% · 4.625%
HK$41,560
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,958/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,288
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,634
−HK$1,368/mo
Today · 4.125%
HK$46,002
baseline
▲ 0.50% · 4.625%
HK$48,801
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,004/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,157
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,449
−HK$1,310/mo
Today · 4.125%
HK$50,759
baseline
▲ 0.50% · 4.625%
HK$53,435
+HK$2,676/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,518/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,495 · Scale 2, in force from 26 Feb 2026)