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$24,040
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,787
−HK$760/mo
Today · 4.125%
HK$25,547
baseline
▲ 0.50% · 4.625%
HK$27,101
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,094/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,461
−HK$728/mo
Today · 4.125%
HK$28,189
baseline
▲ 0.50% · 4.625%
HK$29,674
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,378/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,847
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,745
−HK$911/mo
Today · 4.125%
HK$30,656
baseline
▲ 0.50% · 4.625%
HK$32,522
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,312/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,092
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,953
−HK$873/mo
Today · 4.125%
HK$33,826
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,652/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,655
−HK$2,111/mo
▼ 0.25% · 3.875%
HK$34,702
−HK$1,064/mo
Today · 4.125%
HK$35,766
baseline
▲ 0.50% · 4.625%
HK$37,942
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,532/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,441
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,445
−HK$1,019/mo
Today · 4.125%
HK$39,464
baseline
▲ 0.50% · 4.625%
HK$41,544
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,928/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,271
−HK$2,714/mo
▼ 0.25% · 3.875%
HK$44,617
−HK$1,368/mo
Today · 4.125%
HK$45,985
baseline
▲ 0.50% · 4.625%
HK$48,783
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,970/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,139
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,430
−HK$1,309/mo
Today · 4.125%
HK$50,739
baseline
▲ 0.50% · 4.625%
HK$53,414
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,478/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,343 · Scale 2, in force from 26 Feb 2026)