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$24,054
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,802
−HK$760/mo
Today · 4.125%
HK$25,562
baseline
▲ 0.50% · 4.625%
HK$27,118
+HK$1,556/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,124/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,760
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,477
−HK$728/mo
Today · 4.125%
HK$28,205
baseline
▲ 0.50% · 4.625%
HK$29,692
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,410/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,865
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,762
−HK$913/mo
Today · 4.125%
HK$30,675
baseline
▲ 0.50% · 4.625%
HK$32,541
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,350/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,111
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,973
−HK$873/mo
Today · 4.125%
HK$33,846
baseline
▲ 0.50% · 4.625%
HK$35,630
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,692/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,675
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,723
−HK$1,064/mo
Today · 4.125%
HK$35,787
baseline
▲ 0.50% · 4.625%
HK$37,965
+HK$2,178/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,574/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,463
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,468
−HK$1,019/mo
Today · 4.125%
HK$39,487
baseline
▲ 0.50% · 4.625%
HK$41,569
+HK$2,082/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,974/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,297
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,644
−HK$1,368/mo
Today · 4.125%
HK$46,012
baseline
▲ 0.50% · 4.625%
HK$48,812
+HK$2,800/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,024/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,167
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,459
−HK$1,311/mo
Today · 4.125%
HK$50,770
baseline
▲ 0.50% · 4.625%
HK$53,446
+HK$2,676/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,540/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,577 · Scale 2, in force from 26 Feb 2026)