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$24,005
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,752
−HK$759/mo
Today · 4.125%
HK$25,511
baseline
▲ 0.50% · 4.625%
HK$27,063
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,022/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,706
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,422
−HK$726/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,632
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,806
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,702
−HK$911/mo
Today · 4.125%
HK$30,613
baseline
▲ 0.50% · 4.625%
HK$32,475
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,226/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,047
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$872/mo
Today · 4.125%
HK$33,778
baseline
▲ 0.50% · 4.625%
HK$35,559
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,556/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,607
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,653
−HK$1,062/mo
Today · 4.125%
HK$35,715
baseline
▲ 0.50% · 4.625%
HK$37,888
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,430/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,388
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,391
−HK$1,017/mo
Today · 4.125%
HK$39,408
baseline
▲ 0.50% · 4.625%
HK$41,485
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,816/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,209
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,554
−HK$1,365/mo
Today · 4.125%
HK$45,919
baseline
▲ 0.50% · 4.625%
HK$48,713
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,838/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,070
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,359
−HK$1,308/mo
Today · 4.125%
HK$50,667
baseline
▲ 0.50% · 4.625%
HK$53,338
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,334/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,779 · Scale 2, in force from 26 Feb 2026)