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$24,050
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,798
−HK$760/mo
Today · 4.125%
HK$25,558
baseline
▲ 0.50% · 4.625%
HK$27,113
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,116/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,755
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,472
−HK$728/mo
Today · 4.125%
HK$28,200
baseline
▲ 0.50% · 4.625%
HK$29,687
+HK$1,487/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,400/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,860
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,757
−HK$912/mo
Today · 4.125%
HK$30,669
baseline
▲ 0.50% · 4.625%
HK$32,535
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,338/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,106
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,967
−HK$874/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,669
−HK$2,112/mo
▼ 0.25% · 3.875%
HK$34,717
−HK$1,064/mo
Today · 4.125%
HK$35,781
baseline
▲ 0.50% · 4.625%
HK$37,958
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,562/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,457
−HK$2,024/mo
▼ 0.25% · 3.875%
HK$38,461
−HK$1,020/mo
Today · 4.125%
HK$39,481
baseline
▲ 0.50% · 4.625%
HK$41,562
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,962/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,289
−HK$2,715/mo
▼ 0.25% · 3.875%
HK$44,636
−HK$1,368/mo
Today · 4.125%
HK$46,004
baseline
▲ 0.50% · 4.625%
HK$48,803
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$92,008/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,159
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$49,450
−HK$1,311/mo
Today · 4.125%
HK$50,761
baseline
▲ 0.50% · 4.625%
HK$53,436
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,522/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,509 · Scale 2, in force from 26 Feb 2026)