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$24,056
−HK$1,509/mo
▼ 0.25% · 3.875%
HK$24,805
−HK$760/mo
Today · 4.125%
HK$25,565
baseline
▲ 0.50% · 4.625%
HK$27,120
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,130/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,762
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,480
−HK$728/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,867
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$29,765
−HK$913/mo
Today · 4.125%
HK$30,678
baseline
▲ 0.50% · 4.625%
HK$32,544
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,356/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,115
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,976
−HK$874/mo
Today · 4.125%
HK$33,850
baseline
▲ 0.50% · 4.625%
HK$35,634
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,700/mo (50% DSR)
Upfront cash ≈ HK$4.62M (deposit + AVD stamp duty HK$395,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,679
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,726
−HK$1,065/mo
Today · 4.125%
HK$35,791
baseline
▲ 0.50% · 4.625%
HK$37,968
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,582/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,467
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,472
−HK$1,019/mo
Today · 4.125%
HK$39,491
baseline
▲ 0.50% · 4.625%
HK$41,573
+HK$2,082/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,982/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,301
−HK$2,716/mo
▼ 0.25% · 3.875%
HK$44,648
−HK$1,369/mo
Today · 4.125%
HK$46,017
baseline
▲ 0.50% · 4.625%
HK$48,817
+HK$2,800/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,034/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,172
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,464
−HK$1,311/mo
Today · 4.125%
HK$50,775
baseline
▲ 0.50% · 4.625%
HK$53,451
+HK$2,676/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,550/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,618 · Scale 2, in force from 26 Feb 2026)