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$24,011
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,758
−HK$759/mo
Today · 4.125%
HK$25,517
baseline
▲ 0.50% · 4.625%
HK$27,070
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,034/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,713
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,429
−HK$727/mo
Today · 4.125%
HK$28,156
baseline
▲ 0.50% · 4.625%
HK$29,640
+HK$1,484/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,312/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,814
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,710
−HK$911/mo
Today · 4.125%
HK$30,621
baseline
▲ 0.50% · 4.625%
HK$32,484
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,242/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,055
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,915
−HK$872/mo
Today · 4.125%
HK$33,787
baseline
▲ 0.50% · 4.625%
HK$35,568
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,574/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,616
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,662
−HK$1,062/mo
Today · 4.125%
HK$35,724
baseline
▲ 0.50% · 4.625%
HK$37,898
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,448/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,398
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,401
−HK$1,017/mo
Today · 4.125%
HK$39,418
baseline
▲ 0.50% · 4.625%
HK$41,496
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,836/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,221
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,366/mo
Today · 4.125%
HK$45,931
baseline
▲ 0.50% · 4.625%
HK$48,726
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,862/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,083
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,372
−HK$1,308/mo
Today · 4.125%
HK$50,680
baseline
▲ 0.50% · 4.625%
HK$53,352
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,360/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,882 · Scale 2, in force from 26 Feb 2026)