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$24,025
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,772
−HK$760/mo
Today · 4.125%
HK$25,532
baseline
▲ 0.50% · 4.625%
HK$27,085
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,064/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,728
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$728/mo
Today · 4.125%
HK$28,172
baseline
▲ 0.50% · 4.625%
HK$29,657
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,344/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,830
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,727
−HK$911/mo
Today · 4.125%
HK$30,638
baseline
▲ 0.50% · 4.625%
HK$32,502
+HK$1,864/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,276/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,073
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,933
−HK$873/mo
Today · 4.125%
HK$33,806
baseline
▲ 0.50% · 4.625%
HK$35,588
+HK$1,782/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,612/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,635
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,681
−HK$1,063/mo
Today · 4.125%
HK$35,744
baseline
▲ 0.50% · 4.625%
HK$37,919
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,488/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,419
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,422
−HK$1,018/mo
Today · 4.125%
HK$39,440
baseline
▲ 0.50% · 4.625%
HK$41,519
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,880/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,245
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,590
−HK$1,367/mo
Today · 4.125%
HK$45,957
baseline
▲ 0.50% · 4.625%
HK$48,753
+HK$2,796/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,914/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,110
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,400
−HK$1,309/mo
Today · 4.125%
HK$50,709
baseline
▲ 0.50% · 4.625%
HK$53,382
+HK$2,673/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,418/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,104 · Scale 2, in force from 26 Feb 2026)