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$24,047
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,796
−HK$759/mo
Today · 4.125%
HK$25,555
baseline
▲ 0.50% · 4.625%
HK$27,110
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,110/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,753
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,470
−HK$728/mo
Today · 4.125%
HK$28,198
baseline
▲ 0.50% · 4.625%
HK$29,684
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,396/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,857
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,755
−HK$912/mo
Today · 4.125%
HK$30,667
baseline
▲ 0.50% · 4.625%
HK$32,533
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,334/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,103
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,964
−HK$874/mo
Today · 4.125%
HK$33,838
baseline
▲ 0.50% · 4.625%
HK$35,621
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,676/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,666
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,714
−HK$1,064/mo
Today · 4.125%
HK$35,778
baseline
▲ 0.50% · 4.625%
HK$37,955
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,556/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,454
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,458
−HK$1,019/mo
Today · 4.125%
HK$39,477
baseline
▲ 0.50% · 4.625%
HK$41,558
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,954/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,285
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,632
−HK$1,368/mo
Today · 4.125%
HK$46,000
baseline
▲ 0.50% · 4.625%
HK$48,799
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,000/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,155
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,446
−HK$1,310/mo
Today · 4.125%
HK$50,756
baseline
▲ 0.50% · 4.625%
HK$53,432
+HK$2,676/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,512/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,474 · Scale 2, in force from 26 Feb 2026)