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$24,038
−HK$1,508/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$760/mo
Today · 4.125%
HK$25,546
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,092/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,742
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$727/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,673
+HK$1,486/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,846
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,743
−HK$912/mo
Today · 4.125%
HK$30,655
baseline
▲ 0.50% · 4.625%
HK$32,520
+HK$1,865/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,310/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,091
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,952
−HK$873/mo
Today · 4.125%
HK$33,825
baseline
▲ 0.50% · 4.625%
HK$35,608
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,650/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,654
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,701
−HK$1,063/mo
Today · 4.125%
HK$35,764
baseline
▲ 0.50% · 4.625%
HK$37,940
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,528/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,439
−HK$2,023/mo
▼ 0.25% · 3.875%
HK$38,444
−HK$1,018/mo
Today · 4.125%
HK$39,462
baseline
▲ 0.50% · 4.625%
HK$41,542
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,924/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,269
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,615
−HK$1,367/mo
Today · 4.125%
HK$45,982
baseline
▲ 0.50% · 4.625%
HK$48,780
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,964/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,136
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,427
−HK$1,310/mo
Today · 4.125%
HK$50,737
baseline
▲ 0.50% · 4.625%
HK$53,412
+HK$2,675/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,474/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,325 · Scale 2, in force from 26 Feb 2026)