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$24,044
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$760/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$27,107
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,749
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,467
−HK$727/mo
Today · 4.125%
HK$28,194
baseline
▲ 0.50% · 4.625%
HK$29,681
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,388/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,853
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,751
−HK$912/mo
Today · 4.125%
HK$30,663
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,326/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,099
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,960
−HK$873/mo
Today · 4.125%
HK$33,833
baseline
▲ 0.50% · 4.625%
HK$35,617
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,666/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,662
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,709
−HK$1,064/mo
Today · 4.125%
HK$35,773
baseline
▲ 0.50% · 4.625%
HK$37,950
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,546/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,449
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,453
−HK$1,019/mo
Today · 4.125%
HK$39,472
baseline
▲ 0.50% · 4.625%
HK$41,553
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,944/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,280
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,626
−HK$1,368/mo
Today · 4.125%
HK$45,994
baseline
▲ 0.50% · 4.625%
HK$48,793
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,988/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,149
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,440
−HK$1,310/mo
Today · 4.125%
HK$50,750
baseline
▲ 0.50% · 4.625%
HK$53,425
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,500/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,423 · Scale 2, in force from 26 Feb 2026)