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$24,014
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,761
−HK$759/mo
Today · 4.125%
HK$25,520
baseline
▲ 0.50% · 4.625%
HK$27,073
+HK$1,553/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$51,040/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,715
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$27,432
−HK$727/mo
Today · 4.125%
HK$28,159
baseline
▲ 0.50% · 4.625%
HK$29,643
+HK$1,484/mo
Deposit HK$5.27M · loan HK$5.27M · min. income ≈ HK$56,318/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,817
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$29,713
−HK$911/mo
Today · 4.125%
HK$30,624
baseline
▲ 0.50% · 4.625%
HK$32,487
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,248/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,058
−HK$1,732/mo
▼ 0.25% · 3.875%
HK$32,918
−HK$872/mo
Today · 4.125%
HK$33,790
baseline
▲ 0.50% · 4.625%
HK$35,572
+HK$1,782/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$394,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,620
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,665
−HK$1,063/mo
Today · 4.125%
HK$35,728
baseline
▲ 0.50% · 4.625%
HK$37,902
+HK$2,174/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,456/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,401
−HK$2,021/mo
▼ 0.25% · 3.875%
HK$38,404
−HK$1,018/mo
Today · 4.125%
HK$39,422
baseline
▲ 0.50% · 4.625%
HK$41,500
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,844/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,225
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,570
−HK$1,366/mo
Today · 4.125%
HK$45,936
baseline
▲ 0.50% · 4.625%
HK$48,731
+HK$2,795/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,872/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,088
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,377
−HK$1,309/mo
Today · 4.125%
HK$50,686
baseline
▲ 0.50% · 4.625%
HK$53,357
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,372/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,923 · Scale 2, in force from 26 Feb 2026)