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$24,042
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,790
−HK$760/mo
Today · 4.125%
HK$25,550
baseline
▲ 0.50% · 4.625%
HK$27,105
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,100/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,747
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,464
−HK$728/mo
Today · 4.125%
HK$28,192
baseline
▲ 0.50% · 4.625%
HK$29,678
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,384/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,851
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,748
−HK$912/mo
Today · 4.125%
HK$30,660
baseline
▲ 0.50% · 4.625%
HK$32,526
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,320/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,096
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,957
−HK$873/mo
Today · 4.125%
HK$33,830
baseline
▲ 0.50% · 4.625%
HK$35,614
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,660/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,659
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,706
−HK$1,064/mo
Today · 4.125%
HK$35,770
baseline
▲ 0.50% · 4.625%
HK$37,947
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,540/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,446
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,450
−HK$1,019/mo
Today · 4.125%
HK$39,469
baseline
▲ 0.50% · 4.625%
HK$41,549
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,938/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,276
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,622
−HK$1,368/mo
Today · 4.125%
HK$45,990
baseline
▲ 0.50% · 4.625%
HK$48,789
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,980/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,145
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,436
−HK$1,310/mo
Today · 4.125%
HK$50,746
baseline
▲ 0.50% · 4.625%
HK$53,420
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,492/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,390 · Scale 2, in force from 26 Feb 2026)