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$24,010
−HK$1,505/mo
▼ 0.25% · 3.875%
HK$24,757
−HK$758/mo
Today · 4.125%
HK$25,515
baseline
▲ 0.50% · 4.625%
HK$27,068
+HK$1,553/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$51,030/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,711
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$27,427
−HK$727/mo
Today · 4.125%
HK$28,154
baseline
▲ 0.50% · 4.625%
HK$29,638
+HK$1,484/mo
Deposit HK$5.26M · loan HK$5.26M · min. income ≈ HK$56,308/mo (50% DSR)
Upfront cash ≈ HK$5.66M (deposit + AVD stamp duty HK$394,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,812
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$29,708
−HK$910/mo
Today · 4.125%
HK$30,618
baseline
▲ 0.50% · 4.625%
HK$32,482
+HK$1,864/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$61,236/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,053
−HK$1,731/mo
▼ 0.25% · 3.875%
HK$32,912
−HK$872/mo
Today · 4.125%
HK$33,784
baseline
▲ 0.50% · 4.625%
HK$35,565
+HK$1,781/mo
Deposit HK$4.21M · loan HK$6.32M · min. income ≈ HK$67,568/mo (50% DSR)
Upfront cash ≈ HK$4.61M (deposit + AVD stamp duty HK$394,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,614
−HK$2,108/mo
▼ 0.25% · 3.875%
HK$34,659
−HK$1,063/mo
Today · 4.125%
HK$35,722
baseline
▲ 0.50% · 4.625%
HK$37,895
+HK$2,173/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$71,444/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,395
−HK$2,020/mo
▼ 0.25% · 3.875%
HK$38,398
−HK$1,017/mo
Today · 4.125%
HK$39,415
baseline
▲ 0.50% · 4.625%
HK$41,493
+HK$2,078/mo
Deposit HK$3.16M · loan HK$7.37M · min. income ≈ HK$78,830/mo (50% DSR)
Upfront cash ≈ HK$3.55M (deposit + AVD stamp duty HK$394,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,218
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,562
−HK$1,366/mo
Today · 4.125%
HK$45,928
baseline
▲ 0.50% · 4.625%
HK$48,722
+HK$2,794/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$91,856/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,079
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,369
−HK$1,308/mo
Today · 4.125%
HK$50,677
baseline
▲ 0.50% · 4.625%
HK$53,348
+HK$2,671/mo
Deposit HK$1.05M · loan HK$9.48M · min. income ≈ HK$101,354/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$394,854 · Scale 2, in force from 26 Feb 2026)