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$24,041
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,788
−HK$760/mo
Today · 4.125%
HK$25,548
baseline
▲ 0.50% · 4.625%
HK$27,103
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,096/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,745
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$728/mo
Today · 4.125%
HK$28,190
baseline
▲ 0.50% · 4.625%
HK$29,676
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,380/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,849
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,746
−HK$912/mo
Today · 4.125%
HK$30,658
baseline
▲ 0.50% · 4.625%
HK$32,523
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,316/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,094
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,955
−HK$873/mo
Today · 4.125%
HK$33,828
baseline
▲ 0.50% · 4.625%
HK$35,611
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,656/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,657
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,704
−HK$1,063/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,944
+HK$2,177/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,443
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,447
−HK$1,019/mo
Today · 4.125%
HK$39,466
baseline
▲ 0.50% · 4.625%
HK$41,546
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,932/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,273
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,619
−HK$1,367/mo
Today · 4.125%
HK$45,986
baseline
▲ 0.50% · 4.625%
HK$48,785
+HK$2,799/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,972/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,141
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,432
−HK$1,310/mo
Today · 4.125%
HK$50,742
baseline
▲ 0.50% · 4.625%
HK$53,416
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,484/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,359 · Scale 2, in force from 26 Feb 2026)