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$24,051
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,799
−HK$760/mo
Today · 4.125%
HK$25,559
baseline
▲ 0.50% · 4.625%
HK$27,114
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,118/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,756
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,474
−HK$728/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,689
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,861
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,759
−HK$912/mo
Today · 4.125%
HK$30,671
baseline
▲ 0.50% · 4.625%
HK$32,537
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,342/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,108
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,969
−HK$873/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,626
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,671
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,719
−HK$1,064/mo
Today · 4.125%
HK$35,783
baseline
▲ 0.50% · 4.625%
HK$37,960
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,566/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,459
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,464
−HK$1,019/mo
Today · 4.125%
HK$39,483
baseline
▲ 0.50% · 4.625%
HK$41,564
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,966/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,292
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,638
−HK$1,368/mo
Today · 4.125%
HK$46,006
baseline
▲ 0.50% · 4.625%
HK$48,806
+HK$2,800/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,012/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,161
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$49,453
−HK$1,311/mo
Today · 4.125%
HK$50,764
baseline
▲ 0.50% · 4.625%
HK$53,439
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,528/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,530 · Scale 2, in force from 26 Feb 2026)