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$23,997
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,743
−HK$759/mo
Today · 4.125%
HK$25,502
baseline
▲ 0.50% · 4.625%
HK$27,053
+HK$1,551/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,004/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,696
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$727/mo
Today · 4.125%
HK$28,139
baseline
▲ 0.50% · 4.625%
HK$29,622
+HK$1,483/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,278/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,796
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,692
−HK$910/mo
Today · 4.125%
HK$30,602
baseline
▲ 0.50% · 4.625%
HK$32,464
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$61,204/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,036
−HK$1,730/mo
▼ 0.25% · 3.875%
HK$32,895
−HK$871/mo
Today · 4.125%
HK$33,766
baseline
▲ 0.50% · 4.625%
HK$35,546
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.31M · min. income ≈ HK$67,532/mo (50% DSR)
Upfront cash ≈ HK$4.60M (deposit + AVD stamp duty HK$394,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,596
−HK$2,106/mo
▼ 0.25% · 3.875%
HK$34,641
−HK$1,061/mo
Today · 4.125%
HK$35,702
baseline
▲ 0.50% · 4.625%
HK$37,875
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,404/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,375
−HK$2,019/mo
▼ 0.25% · 3.875%
HK$38,377
−HK$1,017/mo
Today · 4.125%
HK$39,394
baseline
▲ 0.50% · 4.625%
HK$41,471
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,788/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,194
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,538
−HK$1,365/mo
Today · 4.125%
HK$45,903
baseline
▲ 0.50% · 4.625%
HK$48,696
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,806/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,053
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,342
−HK$1,308/mo
Today · 4.125%
HK$50,650
baseline
▲ 0.50% · 4.625%
HK$53,319
+HK$2,669/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,300/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,642 · Scale 2, in force from 26 Feb 2026)