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$24,053
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,801
−HK$760/mo
Today · 4.125%
HK$25,561
baseline
▲ 0.50% · 4.625%
HK$27,116
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,122/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,758
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$728/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,691
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,863
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$29,761
−HK$912/mo
Today · 4.125%
HK$30,673
baseline
▲ 0.50% · 4.625%
HK$32,540
+HK$1,867/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,346/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,110
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,971
−HK$874/mo
Today · 4.125%
HK$33,845
baseline
▲ 0.50% · 4.625%
HK$35,629
+HK$1,784/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,690/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,674
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,721
−HK$1,064/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,963
+HK$2,178/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,462
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,466
−HK$1,020/mo
Today · 4.125%
HK$39,486
baseline
▲ 0.50% · 4.625%
HK$41,567
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,972/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,295
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,642
−HK$1,368/mo
Today · 4.125%
HK$46,010
baseline
▲ 0.50% · 4.625%
HK$48,809
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,020/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,165
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,457
−HK$1,310/mo
Today · 4.125%
HK$50,767
baseline
▲ 0.50% · 4.625%
HK$53,443
+HK$2,676/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,534/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,559 · Scale 2, in force from 26 Feb 2026)