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$24,006
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,753
−HK$758/mo
Today · 4.125%
HK$25,511
baseline
▲ 0.50% · 4.625%
HK$27,064
+HK$1,553/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$394,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,706
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,423
−HK$726/mo
Today · 4.125%
HK$28,149
baseline
▲ 0.50% · 4.625%
HK$29,633
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,298/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,807
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,703
−HK$911/mo
Today · 4.125%
HK$30,614
baseline
▲ 0.50% · 4.625%
HK$32,476
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,228/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,048
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,907
−HK$872/mo
Today · 4.125%
HK$33,779
baseline
▲ 0.50% · 4.625%
HK$35,560
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,558/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,608
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,654
−HK$1,062/mo
Today · 4.125%
HK$35,716
baseline
▲ 0.50% · 4.625%
HK$37,889
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,432/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,389
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,392
−HK$1,017/mo
Today · 4.125%
HK$39,409
baseline
▲ 0.50% · 4.625%
HK$41,486
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,818/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,211
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,555
−HK$1,365/mo
Today · 4.125%
HK$45,920
baseline
▲ 0.50% · 4.625%
HK$48,714
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,840/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,071
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,361
−HK$1,308/mo
Today · 4.125%
HK$50,669
baseline
▲ 0.50% · 4.625%
HK$53,339
+HK$2,670/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,338/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,790 · Scale 2, in force from 26 Feb 2026)