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$24,045
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,793
−HK$760/mo
Today · 4.125%
HK$25,553
baseline
▲ 0.50% · 4.625%
HK$27,108
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,106/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,750
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,468
−HK$728/mo
Today · 4.125%
HK$28,196
baseline
▲ 0.50% · 4.625%
HK$29,682
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,392/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,855
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,752
−HK$912/mo
Today · 4.125%
HK$30,664
baseline
▲ 0.50% · 4.625%
HK$32,530
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,328/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,100
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,961
−HK$874/mo
Today · 4.125%
HK$33,835
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,670/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,664
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,711
−HK$1,064/mo
Today · 4.125%
HK$35,775
baseline
▲ 0.50% · 4.625%
HK$37,951
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,550/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,450
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,455
−HK$1,019/mo
Today · 4.125%
HK$39,474
baseline
▲ 0.50% · 4.625%
HK$41,554
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,948/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,282
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,628
−HK$1,368/mo
Today · 4.125%
HK$45,996
baseline
▲ 0.50% · 4.625%
HK$48,795
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,992/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,151
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,442
−HK$1,310/mo
Today · 4.125%
HK$50,752
baseline
▲ 0.50% · 4.625%
HK$53,427
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,504/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,440 · Scale 2, in force from 26 Feb 2026)