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$24,038
−HK$1,507/mo
▼ 0.25% · 3.875%
HK$24,786
−HK$759/mo
Today · 4.125%
HK$25,545
baseline
▲ 0.50% · 4.625%
HK$27,100
+HK$1,555/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,090/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,742
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$27,459
−HK$728/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,672
+HK$1,485/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$5.67M (deposit + AVD stamp duty HK$395,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,845
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$29,743
−HK$911/mo
Today · 4.125%
HK$30,654
baseline
▲ 0.50% · 4.625%
HK$32,520
+HK$1,866/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$61,308/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,090
−HK$1,734/mo
▼ 0.25% · 3.875%
HK$32,951
−HK$873/mo
Today · 4.125%
HK$33,824
baseline
▲ 0.50% · 4.625%
HK$35,607
+HK$1,783/mo
Deposit HK$4.22M · loan HK$6.33M · min. income ≈ HK$67,648/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$395,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,653
−HK$2,110/mo
▼ 0.25% · 3.875%
HK$34,700
−HK$1,063/mo
Today · 4.125%
HK$35,763
baseline
▲ 0.50% · 4.625%
HK$37,939
+HK$2,176/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$71,526/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,439
−HK$2,022/mo
▼ 0.25% · 3.875%
HK$38,443
−HK$1,018/mo
Today · 4.125%
HK$39,461
baseline
▲ 0.50% · 4.625%
HK$41,541
+HK$2,080/mo
Deposit HK$3.16M · loan HK$7.38M · min. income ≈ HK$78,922/mo (50% DSR)
Upfront cash ≈ HK$3.56M (deposit + AVD stamp duty HK$395,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,268
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,614
−HK$1,367/mo
Today · 4.125%
HK$45,981
baseline
▲ 0.50% · 4.625%
HK$48,779
+HK$2,798/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$91,962/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,135
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$49,426
−HK$1,310/mo
Today · 4.125%
HK$50,736
baseline
▲ 0.50% · 4.625%
HK$53,410
+HK$2,674/mo
Deposit HK$1.05M · loan HK$9.49M · min. income ≈ HK$101,472/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$395,316 · Scale 2, in force from 26 Feb 2026)