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$24,005
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$759/mo
Today · 4.125%
HK$25,510
baseline
▲ 0.50% · 4.625%
HK$27,062
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,020/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,705
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$727/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,805
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,701
−HK$911/mo
Today · 4.125%
HK$30,612
baseline
▲ 0.50% · 4.625%
HK$32,474
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,224/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,046
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,905
−HK$872/mo
Today · 4.125%
HK$33,777
baseline
▲ 0.50% · 4.625%
HK$35,558
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,554/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,606
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,652
−HK$1,062/mo
Today · 4.125%
HK$35,714
baseline
▲ 0.50% · 4.625%
HK$37,887
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,428/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,387
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,389
−HK$1,018/mo
Today · 4.125%
HK$39,407
baseline
▲ 0.50% · 4.625%
HK$41,484
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,814/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,208
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,552
−HK$1,366/mo
Today · 4.125%
HK$45,918
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,836/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,069
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,358
−HK$1,308/mo
Today · 4.125%
HK$50,666
baseline
▲ 0.50% · 4.625%
HK$53,336
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,332/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,767 · Scale 2, in force from 26 Feb 2026)