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$24,007
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,754
−HK$758/mo
Today · 4.125%
HK$25,512
baseline
▲ 0.50% · 4.625%
HK$27,065
+HK$1,553/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,024/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,708
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,424
−HK$726/mo
Today · 4.125%
HK$28,150
baseline
▲ 0.50% · 4.625%
HK$29,634
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,300/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,808
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,704
−HK$911/mo
Today · 4.125%
HK$30,615
baseline
▲ 0.50% · 4.625%
HK$32,478
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,230/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,049
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,909
−HK$872/mo
Today · 4.125%
HK$33,781
baseline
▲ 0.50% · 4.625%
HK$35,561
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,562/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,610
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,655
−HK$1,062/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,891
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,434/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,391
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,393
−HK$1,018/mo
Today · 4.125%
HK$39,411
baseline
▲ 0.50% · 4.625%
HK$41,488
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,822/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,213
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,557
−HK$1,365/mo
Today · 4.125%
HK$45,922
baseline
▲ 0.50% · 4.625%
HK$48,717
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,844/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,074
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,363
−HK$1,308/mo
Today · 4.125%
HK$50,671
baseline
▲ 0.50% · 4.625%
HK$53,342
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,342/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,808 · Scale 2, in force from 26 Feb 2026)