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$24,039
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$760/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$27,101
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,743
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,461
−HK$727/mo
Today · 4.125%
HK$28,188
baseline
▲ 0.50% · 4.625%
HK$29,674
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,376/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,847
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,744
−HK$912/mo
Today · 4.125%
HK$30,656
baseline
▲ 0.50% · 4.625%
HK$32,521
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,312/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$873/mo
Today · 4.125%
HK$33,826
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,652/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,655
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,702
−HK$1,063/mo
Today · 4.125%
HK$35,765
baseline
▲ 0.50% · 4.625%
HK$37,941
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,530/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,441
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,445
−HK$1,018/mo
Today · 4.125%
HK$39,463
baseline
▲ 0.50% · 4.625%
HK$41,544
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,926/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,270
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,616
−HK$1,368/mo
Today · 4.125%
HK$45,984
baseline
▲ 0.50% · 4.625%
HK$48,782
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,968/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,138
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,429
−HK$1,310/mo
Today · 4.125%
HK$50,739
baseline
▲ 0.50% · 4.625%
HK$53,413
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,478/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,336 · Scale 2, in force from 26 Feb 2026)