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$24,002
−HK$1,506/mo
▼ 0.25% · 3.875%
HK$24,749
−HK$759/mo
Today · 4.125%
HK$25,508
baseline
▲ 0.50% · 4.625%
HK$27,060
+HK$1,552/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,016/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,702
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,419
−HK$726/mo
Today · 4.125%
HK$28,145
baseline
▲ 0.50% · 4.625%
HK$29,629
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,290/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,803
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,699
−HK$910/mo
Today · 4.125%
HK$30,609
baseline
▲ 0.50% · 4.625%
HK$32,472
+HK$1,863/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,218/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,043
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$872/mo
Today · 4.125%
HK$33,774
baseline
▲ 0.50% · 4.625%
HK$35,554
+HK$1,780/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,548/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,603
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,649
−HK$1,062/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,884
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,383
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,386
−HK$1,017/mo
Today · 4.125%
HK$39,403
baseline
▲ 0.50% · 4.625%
HK$41,480
+HK$2,077/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,806/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,204
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,366/mo
Today · 4.125%
HK$45,914
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,793/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$91,828/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,064
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,353
−HK$1,308/mo
Today · 4.125%
HK$50,661
baseline
▲ 0.50% · 4.625%
HK$53,332
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.47M · min. income ≈ HK$101,322/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,733 · Scale 2, in force from 26 Feb 2026)