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$24,004
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,750
−HK$759/mo
Today · 4.125%
HK$25,509
baseline
▲ 0.50% · 4.625%
HK$27,061
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,018/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,704
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,420
−HK$726/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,630
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,292/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,804
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,700
−HK$911/mo
Today · 4.125%
HK$30,611
baseline
▲ 0.50% · 4.625%
HK$32,473
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,222/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,045
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,904
−HK$872/mo
Today · 4.125%
HK$33,776
baseline
▲ 0.50% · 4.625%
HK$35,556
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,552/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,605
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,650
−HK$1,062/mo
Today · 4.125%
HK$35,712
baseline
▲ 0.50% · 4.625%
HK$37,885
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,424/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,385
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,388
−HK$1,017/mo
Today · 4.125%
HK$39,405
baseline
▲ 0.50% · 4.625%
HK$41,482
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,810/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,206
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,550
−HK$1,366/mo
Today · 4.125%
HK$45,916
baseline
▲ 0.50% · 4.625%
HK$48,710
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,832/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,067
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,356
−HK$1,308/mo
Today · 4.125%
HK$50,664
baseline
▲ 0.50% · 4.625%
HK$53,334
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,328/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,752 · Scale 2, in force from 26 Feb 2026)