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$24,020
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,767
−HK$759/mo
Today · 4.125%
HK$25,526
baseline
▲ 0.50% · 4.625%
HK$27,080
+HK$1,554/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,052/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,722
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,439
−HK$727/mo
Today · 4.125%
HK$28,166
baseline
▲ 0.50% · 4.625%
HK$29,650
+HK$1,484/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,332/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$395,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,824
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$29,721
−HK$911/mo
Today · 4.125%
HK$30,632
baseline
▲ 0.50% · 4.625%
HK$32,495
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,264/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,066
−HK$1,733/mo
▼ 0.25% · 3.875%
HK$32,926
−HK$873/mo
Today · 4.125%
HK$33,799
baseline
▲ 0.50% · 4.625%
HK$35,580
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,598/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,628
−HK$2,109/mo
▼ 0.25% · 3.875%
HK$34,674
−HK$1,063/mo
Today · 4.125%
HK$35,737
baseline
▲ 0.50% · 4.625%
HK$37,911
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,474/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,411
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,414
−HK$1,018/mo
Today · 4.125%
HK$39,432
baseline
▲ 0.50% · 4.625%
HK$41,511
+HK$2,079/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,864/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,236
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,581
−HK$1,366/mo
Today · 4.125%
HK$45,947
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,796/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,894/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,100
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,390
−HK$1,308/mo
Today · 4.125%
HK$50,698
baseline
▲ 0.50% · 4.625%
HK$53,371
+HK$2,673/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,396/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,022 · Scale 2, in force from 26 Feb 2026)