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$24,029
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,776
−HK$760/mo
Today · 4.125%
HK$25,536
baseline
▲ 0.50% · 4.625%
HK$27,090
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,072/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,732
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,449
−HK$727/mo
Today · 4.125%
HK$28,176
baseline
▲ 0.50% · 4.625%
HK$29,661
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,352/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,835
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,732
−HK$911/mo
Today · 4.125%
HK$30,643
baseline
▲ 0.50% · 4.625%
HK$32,507
+HK$1,864/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,286/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,078
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,939
−HK$872/mo
Today · 4.125%
HK$33,811
baseline
▲ 0.50% · 4.625%
HK$35,594
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,622/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,640
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,687
−HK$1,063/mo
Today · 4.125%
HK$35,750
baseline
▲ 0.50% · 4.625%
HK$37,925
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,500/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,425
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,428
−HK$1,019/mo
Today · 4.125%
HK$39,447
baseline
▲ 0.50% · 4.625%
HK$41,526
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,894/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,252
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,597
−HK$1,367/mo
Today · 4.125%
HK$45,964
baseline
▲ 0.50% · 4.625%
HK$48,761
+HK$2,797/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,928/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,117
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,408
−HK$1,309/mo
Today · 4.125%
HK$50,717
baseline
▲ 0.50% · 4.625%
HK$53,390
+HK$2,673/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,434/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,168 · Scale 2, in force from 26 Feb 2026)