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$24,018
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,765
−HK$759/mo
Today · 4.125%
HK$25,524
baseline
▲ 0.50% · 4.625%
HK$27,077
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,048/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,720
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,437
−HK$727/mo
Today · 4.125%
HK$28,164
baseline
▲ 0.50% · 4.625%
HK$29,648
+HK$1,484/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,328/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,822
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,718
−HK$911/mo
Today · 4.125%
HK$30,629
baseline
▲ 0.50% · 4.625%
HK$32,493
+HK$1,864/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,258/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,064
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,924
−HK$872/mo
Today · 4.125%
HK$33,796
baseline
▲ 0.50% · 4.625%
HK$35,578
+HK$1,782/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,592/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,626
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,671
−HK$1,063/mo
Today · 4.125%
HK$35,734
baseline
▲ 0.50% · 4.625%
HK$37,908
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,468/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,408
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,411
−HK$1,018/mo
Today · 4.125%
HK$39,429
baseline
▲ 0.50% · 4.625%
HK$41,507
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,858/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,233
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,578
−HK$1,366/mo
Today · 4.125%
HK$45,944
baseline
▲ 0.50% · 4.625%
HK$48,739
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,888/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,096
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,386
−HK$1,309/mo
Today · 4.125%
HK$50,695
baseline
▲ 0.50% · 4.625%
HK$53,367
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,390/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,993 · Scale 2, in force from 26 Feb 2026)