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$24,044
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,792
−HK$760/mo
Today · 4.125%
HK$25,552
baseline
▲ 0.50% · 4.625%
HK$27,106
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,104/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,749
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,466
−HK$728/mo
Today · 4.125%
HK$28,194
baseline
▲ 0.50% · 4.625%
HK$29,680
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,388/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,853
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,750
−HK$912/mo
Today · 4.125%
HK$30,662
baseline
▲ 0.50% · 4.625%
HK$32,528
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,324/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,098
−HK$1,735/mo
▼ 0.25% · 3.875%
HK$32,959
−HK$874/mo
Today · 4.125%
HK$33,833
baseline
▲ 0.50% · 4.625%
HK$35,616
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,666/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,662
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,709
−HK$1,063/mo
Today · 4.125%
HK$35,772
baseline
▲ 0.50% · 4.625%
HK$37,949
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,544/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,448
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,452
−HK$1,019/mo
Today · 4.125%
HK$39,471
baseline
▲ 0.50% · 4.625%
HK$41,552
+HK$2,081/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,942/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,279
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,625
−HK$1,368/mo
Today · 4.125%
HK$45,993
baseline
▲ 0.50% · 4.625%
HK$48,792
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,986/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,148
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,439
−HK$1,310/mo
Today · 4.125%
HK$50,749
baseline
▲ 0.50% · 4.625%
HK$53,424
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,498/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,416 · Scale 2, in force from 26 Feb 2026)