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$24,016
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,763
−HK$759/mo
Today · 4.125%
HK$25,522
baseline
▲ 0.50% · 4.625%
HK$27,075
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,044/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,718
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,434
−HK$727/mo
Today · 4.125%
HK$28,161
baseline
▲ 0.50% · 4.625%
HK$29,646
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,322/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,819
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,716
−HK$911/mo
Today · 4.125%
HK$30,627
baseline
▲ 0.50% · 4.625%
HK$32,490
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,254/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,061
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,921
−HK$872/mo
Today · 4.125%
HK$33,793
baseline
▲ 0.50% · 4.625%
HK$35,575
+HK$1,782/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,586/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,623
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,668
−HK$1,063/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,905
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,405
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,408
−HK$1,018/mo
Today · 4.125%
HK$39,426
baseline
▲ 0.50% · 4.625%
HK$41,504
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,852/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,229
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,574
−HK$1,366/mo
Today · 4.125%
HK$45,940
baseline
▲ 0.50% · 4.625%
HK$48,735
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,880/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,092
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,382
−HK$1,308/mo
Today · 4.125%
HK$50,690
baseline
▲ 0.50% · 4.625%
HK$53,362
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,380/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,958 · Scale 2, in force from 26 Feb 2026)