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$24,034
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,782
−HK$759/mo
Today · 4.125%
HK$25,541
baseline
▲ 0.50% · 4.625%
HK$27,095
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,082/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,738
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,455
−HK$727/mo
Today · 4.125%
HK$28,182
baseline
▲ 0.50% · 4.625%
HK$29,668
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,364/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,841
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,738
−HK$912/mo
Today · 4.125%
HK$30,650
baseline
▲ 0.50% · 4.625%
HK$32,515
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,300/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,085
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$873/mo
Today · 4.125%
HK$33,819
baseline
▲ 0.50% · 4.625%
HK$35,601
+HK$1,782/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,638/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,648
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,695
−HK$1,063/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,934
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,433
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,437
−HK$1,018/mo
Today · 4.125%
HK$39,455
baseline
▲ 0.50% · 4.625%
HK$41,535
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,910/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,262
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,607
−HK$1,367/mo
Today · 4.125%
HK$45,974
baseline
▲ 0.50% · 4.625%
HK$48,772
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,948/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,128
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,419
−HK$1,309/mo
Today · 4.125%
HK$50,728
baseline
▲ 0.50% · 4.625%
HK$53,402
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,456/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,255 · Scale 2, in force from 26 Feb 2026)