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$24,050
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,798
−HK$760/mo
Today · 4.125%
HK$25,558
baseline
▲ 0.50% · 4.625%
HK$27,113
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,116/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,755
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$728/mo
Today · 4.125%
HK$28,201
baseline
▲ 0.50% · 4.625%
HK$29,687
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,402/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,758
−HK$912/mo
Today · 4.125%
HK$30,670
baseline
▲ 0.50% · 4.625%
HK$32,536
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,340/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,106
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,968
−HK$873/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,625
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,670
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,717
−HK$1,064/mo
Today · 4.125%
HK$35,781
baseline
▲ 0.50% · 4.625%
HK$37,959
+HK$2,178/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,562/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,458
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,462
−HK$1,019/mo
Today · 4.125%
HK$39,481
baseline
▲ 0.50% · 4.625%
HK$41,562
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,962/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,290
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,637
−HK$1,368/mo
Today · 4.125%
HK$46,005
baseline
▲ 0.50% · 4.625%
HK$48,804
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,010/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,160
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,451
−HK$1,311/mo
Today · 4.125%
HK$50,762
baseline
▲ 0.50% · 4.625%
HK$53,437
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,524/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,516 · Scale 2, in force from 26 Feb 2026)