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$24,026
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,774
−HK$759/mo
Today · 4.125%
HK$25,533
baseline
▲ 0.50% · 4.625%
HK$27,087
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,066/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,729
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,446
−HK$727/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,658
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,832
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,729
−HK$911/mo
Today · 4.125%
HK$30,640
baseline
▲ 0.50% · 4.625%
HK$32,504
+HK$1,864/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,280/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,075
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,935
−HK$873/mo
Today · 4.125%
HK$33,808
baseline
▲ 0.50% · 4.625%
HK$35,590
+HK$1,782/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,616/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,637
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,683
−HK$1,063/mo
Today · 4.125%
HK$35,746
baseline
▲ 0.50% · 4.625%
HK$37,921
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,492/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,421
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,424
−HK$1,019/mo
Today · 4.125%
HK$39,443
baseline
▲ 0.50% · 4.625%
HK$41,522
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,886/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,248
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,593
−HK$1,367/mo
Today · 4.125%
HK$45,960
baseline
▲ 0.50% · 4.625%
HK$48,756
+HK$2,796/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,920/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,113
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,403
−HK$1,309/mo
Today · 4.125%
HK$50,712
baseline
▲ 0.50% · 4.625%
HK$53,385
+HK$2,673/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,424/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,128 · Scale 2, in force from 26 Feb 2026)