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$24,012
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,759
−HK$759/mo
Today · 4.125%
HK$25,518
baseline
▲ 0.50% · 4.625%
HK$27,071
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,036/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,713
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,430
−HK$727/mo
Today · 4.125%
HK$28,157
baseline
▲ 0.50% · 4.625%
HK$29,641
+HK$1,484/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,314/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,815
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,711
−HK$911/mo
Today · 4.125%
HK$30,622
baseline
▲ 0.50% · 4.625%
HK$32,485
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,244/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,056
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,916
−HK$872/mo
Today · 4.125%
HK$33,788
baseline
▲ 0.50% · 4.625%
HK$35,569
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,576/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,617
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,663
−HK$1,062/mo
Today · 4.125%
HK$35,725
baseline
▲ 0.50% · 4.625%
HK$37,899
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,450/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,399
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,402
−HK$1,017/mo
Today · 4.125%
HK$39,419
baseline
▲ 0.50% · 4.625%
HK$41,497
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,838/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,222
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,567
−HK$1,366/mo
Today · 4.125%
HK$45,933
baseline
▲ 0.50% · 4.625%
HK$48,727
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,866/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,084
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,374
−HK$1,308/mo
Today · 4.125%
HK$50,682
baseline
▲ 0.50% · 4.625%
HK$53,354
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,364/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,896 · Scale 2, in force from 26 Feb 2026)