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$24,055
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,803
−HK$760/mo
Today · 4.125%
HK$25,563
baseline
▲ 0.50% · 4.625%
HK$27,119
+HK$1,556/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,126/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,761
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$728/mo
Today · 4.125%
HK$28,206
baseline
▲ 0.50% · 4.625%
HK$29,693
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,412/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,866
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,763
−HK$913/mo
Today · 4.125%
HK$30,676
baseline
▲ 0.50% · 4.625%
HK$32,542
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,352/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,113
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,974
−HK$874/mo
Today · 4.125%
HK$33,848
baseline
▲ 0.50% · 4.625%
HK$35,632
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,696/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,676
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,724
−HK$1,064/mo
Today · 4.125%
HK$35,788
baseline
▲ 0.50% · 4.625%
HK$37,966
+HK$2,178/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,576/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,465
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,470
−HK$1,019/mo
Today · 4.125%
HK$39,489
baseline
▲ 0.50% · 4.625%
HK$41,570
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,978/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,298
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,645
−HK$1,369/mo
Today · 4.125%
HK$46,014
baseline
▲ 0.50% · 4.625%
HK$48,813
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,028/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,169
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,461
−HK$1,310/mo
Today · 4.125%
HK$50,771
baseline
▲ 0.50% · 4.625%
HK$53,448
+HK$2,677/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,542/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,591 · Scale 2, in force from 26 Feb 2026)