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$24,041
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,789
−HK$760/mo
Today · 4.125%
HK$25,549
baseline
▲ 0.50% · 4.625%
HK$27,103
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,098/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,745
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,463
−HK$727/mo
Today · 4.125%
HK$28,190
baseline
▲ 0.50% · 4.625%
HK$29,676
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,380/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,849
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,746
−HK$912/mo
Today · 4.125%
HK$30,658
baseline
▲ 0.50% · 4.625%
HK$32,524
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,316/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,094
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,955
−HK$873/mo
Today · 4.125%
HK$33,828
baseline
▲ 0.50% · 4.625%
HK$35,611
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,656/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,657
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$1,064/mo
Today · 4.125%
HK$35,768
baseline
▲ 0.50% · 4.625%
HK$37,944
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,536/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,448
−HK$1,018/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,274
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,620
−HK$1,367/mo
Today · 4.125%
HK$45,987
baseline
▲ 0.50% · 4.625%
HK$48,786
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,974/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,142
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,433
−HK$1,309/mo
Today · 4.125%
HK$50,742
baseline
▲ 0.50% · 4.625%
HK$53,417
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,484/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,366 · Scale 2, in force from 26 Feb 2026)