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$24,036
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,784
−HK$759/mo
Today · 4.125%
HK$25,543
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,086/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,740
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$727/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,670
+HK$1,486/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$395,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,843
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,740
−HK$912/mo
Today · 4.125%
HK$30,652
baseline
▲ 0.50% · 4.625%
HK$32,517
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$61,304/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,088
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,948
−HK$873/mo
Today · 4.125%
HK$33,821
baseline
▲ 0.50% · 4.625%
HK$35,604
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.32M · min. income ≈ HK$67,642/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,650
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,697
−HK$1,064/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,936
+HK$2,175/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,436
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,440
−HK$1,018/mo
Today · 4.125%
HK$39,458
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,916/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,265
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,610
−HK$1,368/mo
Today · 4.125%
HK$45,978
baseline
▲ 0.50% · 4.625%
HK$48,775
+HK$2,797/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,956/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,132
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,422
−HK$1,310/mo
Today · 4.125%
HK$50,732
baseline
▲ 0.50% · 4.625%
HK$53,406
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,464/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,284 · Scale 2, in force from 26 Feb 2026)