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$24,040
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,788
−HK$759/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$27,102
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,461
−HK$728/mo
Today · 4.125%
HK$28,189
baseline
▲ 0.50% · 4.625%
HK$29,675
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,378/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,848
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,745
−HK$912/mo
Today · 4.125%
HK$30,657
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,314/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,093
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$874/mo
Today · 4.125%
HK$33,827
baseline
▲ 0.50% · 4.625%
HK$35,610
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,654/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,656
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,703
−HK$1,063/mo
Today · 4.125%
HK$35,766
baseline
▲ 0.50% · 4.625%
HK$37,942
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,532/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,442
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,446
−HK$1,018/mo
Today · 4.125%
HK$39,464
baseline
▲ 0.50% · 4.625%
HK$41,545
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,928/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,272
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,618
−HK$1,367/mo
Today · 4.125%
HK$45,985
baseline
▲ 0.50% · 4.625%
HK$48,783
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,970/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,139
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,430
−HK$1,310/mo
Today · 4.125%
HK$50,740
baseline
▲ 0.50% · 4.625%
HK$53,415
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,480/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,347 · Scale 2, in force from 26 Feb 2026)