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$24,008
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,755
−HK$759/mo
Today · 4.125%
HK$25,514
baseline
▲ 0.50% · 4.625%
HK$27,066
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,028/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,709
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,425
−HK$727/mo
Today · 4.125%
HK$28,152
baseline
▲ 0.50% · 4.625%
HK$29,636
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,304/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,810
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,706
−HK$911/mo
Today · 4.125%
HK$30,617
baseline
▲ 0.50% · 4.625%
HK$32,480
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,234/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,051
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,910
−HK$872/mo
Today · 4.125%
HK$33,782
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,564/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,612
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,657
−HK$1,062/mo
Today · 4.125%
HK$35,719
baseline
▲ 0.50% · 4.625%
HK$37,893
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,438/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,393
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,396
−HK$1,017/mo
Today · 4.125%
HK$39,413
baseline
▲ 0.50% · 4.625%
HK$41,490
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,826/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,215
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,559
−HK$1,366/mo
Today · 4.125%
HK$45,925
baseline
▲ 0.50% · 4.625%
HK$48,719
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,850/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,076
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,366
−HK$1,308/mo
Today · 4.125%
HK$50,674
baseline
▲ 0.50% · 4.625%
HK$53,345
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,348/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,831 · Scale 2, in force from 26 Feb 2026)