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$24,013
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,760
−HK$759/mo
Today · 4.125%
HK$25,519
baseline
▲ 0.50% · 4.625%
HK$27,072
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,038/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,715
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,431
−HK$727/mo
Today · 4.125%
HK$28,158
baseline
▲ 0.50% · 4.625%
HK$29,642
+HK$1,484/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,316/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,816
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,712
−HK$911/mo
Today · 4.125%
HK$30,623
baseline
▲ 0.50% · 4.625%
HK$32,486
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,246/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,058
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,917
−HK$873/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,571
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,580/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,619
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,665
−HK$1,062/mo
Today · 4.125%
HK$35,727
baseline
▲ 0.50% · 4.625%
HK$37,901
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,454/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,401
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,404
−HK$1,017/mo
Today · 4.125%
HK$39,421
baseline
▲ 0.50% · 4.625%
HK$41,499
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,842/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,224
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,569
−HK$1,366/mo
Today · 4.125%
HK$45,935
baseline
▲ 0.50% · 4.625%
HK$48,730
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,870/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,086
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,376
−HK$1,308/mo
Today · 4.125%
HK$50,684
baseline
▲ 0.50% · 4.625%
HK$53,356
+HK$2,672/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,368/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,914 · Scale 2, in force from 26 Feb 2026)