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$24,022
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,769
−HK$759/mo
Today · 4.125%
HK$25,528
baseline
▲ 0.50% · 4.625%
HK$27,081
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,056/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,724
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,440
−HK$728/mo
Today · 4.125%
HK$28,168
baseline
▲ 0.50% · 4.625%
HK$29,652
+HK$1,484/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,336/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,826
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,722
−HK$911/mo
Today · 4.125%
HK$30,633
baseline
▲ 0.50% · 4.625%
HK$32,497
+HK$1,864/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,266/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,068
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,929
−HK$872/mo
Today · 4.125%
HK$33,801
baseline
▲ 0.50% · 4.625%
HK$35,583
+HK$1,782/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,602/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,630
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,676
−HK$1,063/mo
Today · 4.125%
HK$35,739
baseline
▲ 0.50% · 4.625%
HK$37,914
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,478/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,413
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,417
−HK$1,018/mo
Today · 4.125%
HK$39,435
baseline
▲ 0.50% · 4.625%
HK$41,513
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,870/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,239
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,584
−HK$1,366/mo
Today · 4.125%
HK$45,950
baseline
▲ 0.50% · 4.625%
HK$48,746
+HK$2,796/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,900/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,103
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,393
−HK$1,309/mo
Today · 4.125%
HK$50,702
baseline
▲ 0.50% · 4.625%
HK$53,374
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,404/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,047 · Scale 2, in force from 26 Feb 2026)