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$24,035
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,783
−HK$759/mo
Today · 4.125%
HK$25,542
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,084/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,739
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,456
−HK$728/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,669
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,842
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,739
−HK$912/mo
Today · 4.125%
HK$30,651
baseline
▲ 0.50% · 4.625%
HK$32,516
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,302/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,087
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,947
−HK$873/mo
Today · 4.125%
HK$33,820
baseline
▲ 0.50% · 4.625%
HK$35,603
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,640/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,649
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,696
−HK$1,063/mo
Today · 4.125%
HK$35,759
baseline
▲ 0.50% · 4.625%
HK$37,935
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,518/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,435
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,438
−HK$1,019/mo
Today · 4.125%
HK$39,457
baseline
▲ 0.50% · 4.625%
HK$41,537
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,914/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,263
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,609
−HK$1,367/mo
Today · 4.125%
HK$45,976
baseline
▲ 0.50% · 4.625%
HK$48,774
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,952/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,130
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,421
−HK$1,309/mo
Today · 4.125%
HK$50,730
baseline
▲ 0.50% · 4.625%
HK$53,404
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,460/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,272 · Scale 2, in force from 26 Feb 2026)