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$23,998
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,744
−HK$759/mo
Today · 4.125%
HK$25,503
baseline
▲ 0.50% · 4.625%
HK$27,055
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,006/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,697
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,413
−HK$727/mo
Today · 4.125%
HK$28,140
baseline
▲ 0.50% · 4.625%
HK$29,623
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,280/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,798
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$29,693
−HK$910/mo
Today · 4.125%
HK$30,603
baseline
▲ 0.50% · 4.625%
HK$32,466
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,206/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,037
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,896
−HK$872/mo
Today · 4.125%
HK$33,768
baseline
▲ 0.50% · 4.625%
HK$35,548
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,536/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,597
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,642
−HK$1,062/mo
Today · 4.125%
HK$35,704
baseline
▲ 0.50% · 4.625%
HK$37,876
+HK$2,172/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,408/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,376
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,379
−HK$1,017/mo
Today · 4.125%
HK$39,396
baseline
▲ 0.50% · 4.625%
HK$41,472
+HK$2,076/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,792/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,196
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,540
−HK$1,365/mo
Today · 4.125%
HK$45,905
baseline
▲ 0.50% · 4.625%
HK$48,698
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,810/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,055
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,344
−HK$1,308/mo
Today · 4.125%
HK$50,652
baseline
▲ 0.50% · 4.625%
HK$53,322
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,304/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,659 · Scale 2, in force from 26 Feb 2026)