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$24,048
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,796
−HK$760/mo
Today · 4.125%
HK$25,556
baseline
▲ 0.50% · 4.625%
HK$27,111
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,112/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,753
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,471
−HK$727/mo
Today · 4.125%
HK$28,198
baseline
▲ 0.50% · 4.625%
HK$29,685
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,396/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,857
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,755
−HK$912/mo
Today · 4.125%
HK$30,667
baseline
▲ 0.50% · 4.625%
HK$32,533
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,334/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,104
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,965
−HK$873/mo
Today · 4.125%
HK$33,838
baseline
▲ 0.50% · 4.625%
HK$35,622
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,676/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,667
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,714
−HK$1,064/mo
Today · 4.125%
HK$35,778
baseline
▲ 0.50% · 4.625%
HK$37,955
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,556/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,454
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,459
−HK$1,019/mo
Today · 4.125%
HK$39,478
baseline
▲ 0.50% · 4.625%
HK$41,559
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,956/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,286
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,633
−HK$1,368/mo
Today · 4.125%
HK$46,001
baseline
▲ 0.50% · 4.625%
HK$48,800
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,002/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,155
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,447
−HK$1,310/mo
Today · 4.125%
HK$50,757
baseline
▲ 0.50% · 4.625%
HK$53,433
+HK$2,676/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,514/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,481 · Scale 2, in force from 26 Feb 2026)