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$24,004
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,751
−HK$759/mo
Today · 4.125%
HK$25,510
baseline
▲ 0.50% · 4.625%
HK$27,062
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,020/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,705
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$27,421
−HK$726/mo
Today · 4.125%
HK$28,147
baseline
▲ 0.50% · 4.625%
HK$29,631
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,294/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,805
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,701
−HK$911/mo
Today · 4.125%
HK$30,612
baseline
▲ 0.50% · 4.625%
HK$32,474
+HK$1,862/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,224/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,045
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,905
−HK$872/mo
Today · 4.125%
HK$33,777
baseline
▲ 0.50% · 4.625%
HK$35,557
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,554/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,606
−HK$2,107/mo
▼ 0.25% · 3.875%
HK$34,651
−HK$1,062/mo
Today · 4.125%
HK$35,713
baseline
▲ 0.50% · 4.625%
HK$37,887
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,426/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,386
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,389
−HK$1,017/mo
Today · 4.125%
HK$39,406
baseline
▲ 0.50% · 4.625%
HK$41,483
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,812/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,208
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,552
−HK$1,365/mo
Today · 4.125%
HK$45,917
baseline
▲ 0.50% · 4.625%
HK$48,711
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,834/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,068
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,357
−HK$1,308/mo
Today · 4.125%
HK$50,665
baseline
▲ 0.50% · 4.625%
HK$53,336
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,330/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,764 · Scale 2, in force from 26 Feb 2026)